1/3 Success with NCO-Update Complete Success

[Anonymous]

I sent a PFD to NCO. Never heard from them. So, I emailed Mike. No response. I emailed CenturyTel asking them to pull the account back. They emailed back yesterday saying I'd have to call and talk to someone in person b/c of privacy concerns.

I noticed that on my CR from March 3rd nothing is in the comment section of the account on the CR.

On today's CR, the account is gone from EX. For TU remarks it says, "account information disputed by consumer, meets FCRA requirements".

I never disputed the account with TU direct. So I can only assume NCO reported it as disputed. But why would it meet FCRA requirements on then removed from EX, still remains on EQ but doesn't say nothing in the remarks section.

No point change for being removed, but at least it is gone.

Update- The account is gone from all 3. 3 Cheers for NCO.

Message Edited by sidewinder on 04-05-2008 07:02 AM

[thotgal320]

I would like to know the answer as well. I've seen it on my TU account as well.

[dragnldy]

I have the same thing on all three of my CRPs for one account.  Apparently, this is a listing they give when they get tired of "investigating" something being disputed.

[Anonymous]

It has now came off my TU report.

5 points increase in FAKO for TU.

I offered PFD and they are deleting even before I pay, should I go ahead and send payment after they delete? I am just scared that when I pay they will put it back on.

[Anonymous]

Yes- They MUST notify you within 5 days to re-insert, The funisher must certify the data, the CRA must prevent re-insert.
FCRA § 611(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.

(C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).

[Anonymous]

Timothy...is this just the case for someone (same CA) putting the derog back on? We had sent a PFD letter to a CA (cannot remember the name) they removed it and it showed back up under NCO, we still owe the debt and NCO will not PFD.

So one CA removed it (without getting paid) and NCO put it back on without so much as a letter or anything. So could I send a letter to NCO and state something from "FCRA § 611(5)(B) Requirements Relating to Reinsertion of Previously Deleted Material"?

[Anonymous]

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Timothy wrote:

Yes- They MUST notify you within 5 days to re-insert, The funisher must certify the data, the CRA must prevent re-insert.
FCRA § 611(5)(B) Requirements Relating to Reinsertion of Previously Deleted Material

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I wasn't aware that this applies when the CA removes the account themselves. I thought it was only when you disputed via the CRA and it was removed.