Parasite Collection Company's

[Anonymous]

Im slightly annoyed with this.  So I disputed a collection that I had with time warner cable company. They has sold it to a collections company. When I disputed it I won and it fell off.  So what do they do? They sell it to ANOTHER collections company and put it right back on my credit. I literrally had no collections whatsoever. And I am pissed. Just like a dam parasit. They when one host dies they just hop on the next and try to suck the life out of you with that one.... sigh....

[RobertEG]

If the CRA deleted the prior reporting based on lack of verification of accuracy communicated in a Notice of Results of Reinvestigation (as opposed to the debt collector simply doing a voluntary deletion), then the FCRA requires that the specific reinsertion procedure set forth in FCRA 611(a)(5)(B) must be follwed before it can be reinserted.

In a nutshell, the reinsertion provision applies to atttempts to reinsert information deleted as a finding in a prior dispute, and requires that the party requesting reinsertion must include a Certification of Accuracy of the information.  That applies to ANY party attempting reinsertion, and not simply the orginal party.

If the CRA accepts the Certification of Accuracy, they can then reinsert, but must send written notice to the consumer of the reinsertion no later than 5 business days after they have reinserted.

Was the collection clearly deleted by a finding in the prior dispute, and if so, did the CRA provide you written notice of the reinsertion within 5 business days thereafter?

If the reinsertion process was not followed, then the reinsertion was a violation of the FCRA.

[Anonymous]

Yes the collection was deleted due to lack of info.  And I never received any notification ever about a reinsertion.

---

@RobertEG wrote:

If the CRA deleted the prior reporting based on lack of verification of accuracy communicated in a Notice of Results of Reinvestigation (as opposed to the debt collector simply doing a voluntary deletion), then the FCRA requires that the specific reinsertion procedure set forth in FCRA 611(a)(5)(B) must be follwed before it can be reinserted.

In a nutshell, the reinsertion provision applies to atttempts to reinsert information deleted as a finding in a prior dispute, and requires that the party requesting reinsertion must include a Certification of Accuracy of the information.  That applies to ANY party attempting reinsertion, and not simply the orginal party.

If the CRA accepts the Certification of Accuracy, they can then reinsert, but must send written notice to the consumer of the reinsertion no later than 5 business days after they have reinserted.

Was the collection clearly deleted by a finding in the prior dispute, and if so, did the CRA provide you written notice of the reinsertion within 5 business days thereafter?

If the reinsertion process was not followed, then the reinsertion was a violation of the FCRA.

---

[medicgrrl]

Are you sure they didn't voluntarily delete it because they were in the process of selling it?

[Anonymous]

No I'm not sure. How do I get that Information?

[RobertEG]

Contact the CRA and inquire as to why you did not receive written notice from them of their reinsertion, as required under FCRA 611(a)(5)(B).

The CRA will have record of any prior dispute, and the contents of their Notice of Results of Reinvestigation, which will define whether they deleted.

[Anonymous]

ok thank you so much!! I truly appreciate the advice. I'm going to write a letter to all three cra's

[Shogun]

If a new CA is seeking payment, you should receive a dunning notice.

[Anonymous]

Hey shogun! what's a running notice?

[rmduhon]

A dunning notice is basically a bill from the collection agency.