Collection deleted before Dispute was finished

[Anonymous]

I paid off a collection from OVETON RUSSELL DOER last year in September and had been waiting for it to fall off. Fast forwarded to May, the collection was still on my Experian report so I made the move to dispute it. A couple of days afterwards, I recieve a notification that it was deleted from my account. Yet, the dispute was still in the process. Exactly a week from the dispute, my results stated that it has been removed. 

Last week, I got a notification that there is a new collection in my report. And its the same collection with a balance of $0. ONCE AGAIN, I dispute and resulted it in being "account updated". Has this happened to anyone?

[Anonymous]

---

@Anonymous wrote:

I paid off a collection from OVETON RUSSELL DOER last year in September and had been waiting for it to fall off. Fast forwarded to May, the collection was still on my Experian report so I made the move to dispute it. A couple of days afterwards, I recieve a notification that it was deleted from my account. Yet, the dispute was still in the process. Exactly a week from the dispute, my results stated that it has been removed. 

Last week, I got a notification that there is a new collection in my report. And its the same collection with a balance of $0. ONCE AGAIN, I dispute and resulted it in being "account updated". Has this happened to anyone?

---

 Often times it gets removed and the creditor is notified of your disputed and is allowed to ppace it back on.

What is the grounds for your dispute? You just want it gone? Did you negotiate a pfd?

If there is no PFD, they can keep placing it back on, it updates, and your scores take a hit everytime. I would wait it out to do EE and/or start a GW campaign.

Good luck!

[Anonymous]

If you are within the 7-7.5 year timeframe from first delinquency (or 5 years for places like NY) and you pay a collection the account has a right to be on your report showing a $0. Disputing a paid account doesn't do anything unless you are disputing that there is a balance when it should read $0. It is unfortunate that it was added back.

I would try to speak with debt collector but they have no incentive to remove now unless they simply are feeling generous since you already paid. It goes directly against policy with the credit agencies for creditors to delete accounts before their time is up. (of course it happens every single day as we all know). Paid collections will affect you less and less over time in the mean time write some GW letters.

[RobertEG]

If you file a dispute with a CRA, the CRA must refer the dispute to the party who furnished the disputed information to the CRA, and the furnisher must then investigate and respond back to the CRA within the (normally 30-day) dispute period.

The final decision on the dispute is then made by the CRA via their reinvestigation, and the results must then be communicated by the CRA to the consumer within 5 business days after conclusion of the dispute period.  You then have a concluded and decided dispute, resulting in either verification of the accuracy as currently reported, correction that overcomes any finding of inaccuracy, or if neither can be done, deletion of the dispute information by the CRA.

HOWEVER, if upon receipt of the disppute from the CRA, the furnisher decides to report voluntary deletion of the disputed information without investigation, then the dispute becomes moot, as the disputed information is no longer of record, and thus is no longer disputable.

You appear to have a deletion by the furnisher, thus obviating any final disposition of the dispute by the CRA.

Reinsertion of previously disputed information is prohibited under the FCRA only if the information has been subject to a final dispute resolution, and even then, reinsertion is permitted if the furnisher then provides a Certification of Accuracy of the information as an accompaniment to the request for reinsertion.