Disputed item reappeared...What do I do?

[Ausfarm]

A few months back I disputed a 30 day late payment.  It was deleted (actually part of the tradeline was deleted) and my score jumped.  I just pulled my newest 3-in-1, and the 30 day late payment is back (minus tradeline showing my good payment history).  I tried calling the lender, but they're refusing the correct the 30 day late.  What should I do?

Here's what happened.  I had a payment due Feb 1, 2007.  Due to oversight on my part, I did not pay it until Feb 28, 2007, and it posted March 2, 2007 --that's 29 days late (entered into a duration calculator online).  Anyway, the girl at spoke w/ at the lender says they report at the end of every month a late --not 30 days, but the rule is 30 days not a month late --THERE'S A DIFFERENCE.

Anyway, looking for some opinions out there on what I should do.  Thanks in advance!

[SmartCookie]

If the 30 day late was the only derog on the TL I would start with a GW to the lender asking them to remove and re-report your entire good history.

Because you had it removed earlier under dispute and they did not update at that time, I believe re-insertion rules apply here by the CRA and they would have had to notify you.  If they did not, they have to remove that again.  Reason I don't suggest you go that way first is because I'm concerned that they will wipe all good history too.

[Anonymous]

The re-insertion rules apply here.

(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

[Ausfarm]

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