I have a collection account with Calvary Investments? Anyone ever heard of them? Anyway, I disputed and got it deleted. Then I sent validation letter and guess what? They re-inserted on Experian and TU. Yesterday, I sent a validation letter, filed complaint with Attorney General, NC Dept of Insurance (regulates Collection Agencies), and the FTC. It appears that this agency is not licensed and bonded here in NC. What is next step? Thanks.
Oh, I forgot.. On my Experian report, It has a comment that says. "Special Handling-contact subscriber for Information" What does this mean?
I'm in NC too. Cavalry Investments is showing on my reports and they did the same to me, re-inserted after it had been deleted. I'm thinking of sueing them. They actually buy the debt's and don't do collecting for other company's
Hopefully someone can confirm this for me, but isn't the credit bureau required by law to notify you of any re-insertation??? And also, they can only re-insert items within 5 business days after the first investigation??? Sounds to me like some violations...
Candi: I called the NC Dept of Insurance. They are not licensed and bonded in NC. I filed a complaint with them today (CRRR) and with the Attorney General's office (CRRR) and the FTC. I am out for blood with these people. They have never once contacted me with anything or responded to my validation letter. What have you done thus far? Any results?
You are slightly confused. A cra must notify the consumer within 5 days of reinserting a previously disputed and deleted tradeline.
That is exactly what they did to me. Re-insert after deletion without notification. Where can I find that requirement?
Ã? 611 (B) Requirements relating to reinsertion of previously deleted material. (i) Certification of accuracy of information. If any information is deleted from a consumerâ??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 consumerâ??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 consumerâ??s file disputing the accuracy or completeness of the disputed information.
