About two months ago, I went through the process of getting an incorrect collection off my file from Equifax. They had sent me a letter stating that it had been deleted and a new report without it on there. Now it has been placed back on. I have read about re-inserted items on other posts, but don't really understand if I should send them copies of the deletion letter or the credit report they sent showing the collection gone, or do I need to write some sort of letter. Thanks in advance for any help.
I think I can answer this one, LOL Just write a simple letter reminding them of their responsibility under the FCRA involving reinserted material, and provide a copy of the revised report they sent you.
Re: I think I can answer this one, LOL Love, Could you please briefly explain the above stated "responsibility"? Thanks!
Re: I think I can answer this one, LOL FCRA 611a(5) (B) Requirements relating to reinsertion of previously deleted material. (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. (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. -Peace, Dave
