04-25-2012 02:15 PM
04-25-2012 04:26 PM
Their deletion was totally voluntary, so there is no prohibition against its reinsertion.
Reinsertion of previously deleted information is only regulated under the FCRA if its deletion was as a result of an FCRA dispute over its accuracy.
it is kinda shabby for them to tell you they are doing a courtesy deletion, only to refer it to another who can then report it.
But not a violation of the FDCPA or FCRA.
Your issue is not disputable, as the new debt collector has not reported to the CRA. Even if they do, the issue is not one of accuracy of their reporting, but rather its appropriateness. I dont see a dispute as the proper process.
Send them a DV, immediately barring them from reporting to the CRAs. Dont ignore them.... they can report regardless of what the first debt collector has done.
04-25-2012 05:58 PM
I just noticed this was scheduled to be removed next month but I will go ahead and send the DV anyway but only regular mail since they can't report after this month.