I have an equifax affiliate for my equifax report. I have the creditwatch subscription. I am wondering if when the CRA re-inserts a tradeline if that covers the 5 day notice of re-insertion(notice to me)? Besides wouldn't the affiliate have to send the notice anyway, being that creditwatch is from equifax? Im really confused on this one. Any one have any ideas?
Below is what rule 611 of the FCRA says. Unless Equifax emailed you within 5 days of the reinsertion, they just the fact that you have access to your report, imo, is not notification. If they send you an email regarding it, I would say that is in writing and yes, it may constitute notice. If they did email you, I would send them a letter demanding to see the "certification" as required by the FCRA. (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.
LKH, I did recieve the alert that a tradeline had been updated and that I could go to my creditwatch and look at the result. It was an email from creditwatch, but not the affiliate CSC that handles my equifax report. -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. This could certainly fit the description of an email notification. This could be bad for this kind of situation. "Any other means available to the agency" to me would mean if you signed up for alerts that this would suffice for notification. I certainly would hope not. Do they still have to send the other documentation listed under additional information? This might explain why I haven't recieved notification. I wonder if there is some waiver you agree to when you sign up for creditwatch that covers this subject.
