Gotta Love CSC

Dear jlynn:

This will acknowledge receipt of your facsimile dated ...CSC has completed their reinvestigation of your disputes:

Cap One - in response to your concern that CSC reinserted late payment history into your credit file, late payment history may be deleted if the creditor does not respond to CSC within the appropriate time frame. However Cap One regularly reports updated account information in an automatic fashion and will provide updated late payment history as appropriate.


1. Dear Idiot, since you admitted you reinvestigated (despite my request) can you please explain why it took 60 days rather than the FCRA mandated 30?

2. I want to thank you for verifying that you are in violation of this:

C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).

And this:
(i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

And each and everyone of these:
(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

(iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

(I) a statement that the disputed information has been reinserted;

(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

See ya in court!