Now what do I do?

[Anonymous]

I am so mad I could spit bullets!  I had gotten Palisades collection removed from all 3 of my cr in March of this year.  Well guess what?  That same Palisades collection has reappeared on my equifax report! So what are my next steps?  Any help would be appreciated.

[tray]

Hi, if I was in your situation I would notify equifax reporting agency and ask them why this account has been placed back on your credit report.   This does happen when the account is under investigation and if they feel it is warranted that you owe this account it will be placed back on your credit report.  Also I would check the other 2 credit reporting agencies to see if the account has been placed back as well.  Good Luck and fight it all the way.

[Anonymous]

If you search around on the forums some you may find more info about this type of situation.  I think if an acct is removed, the CRA is supposed to send you notification that it is being added back on 5 days before they do so.

Do you have a copy of your CR showing that it was there, then one showing it was removed?

[Anonymous]

Yes, I have copies of of cr when the account was removed in March and I have a new EQ cr with account back on.  I have a strange feeling the account is going to make its way back on TU and EX also.

[Anonymous]

Was it removed due to a dispute with the CRA or did Palisades remove the account?

[Anonymous]

It was removed due to a dispute with CRA.  Just when you think you are making some headway and something like this happens and I feel as if I have to start back at square one again.

[Anonymous]

Dispute- illegal re-insert FCRA § 611(5)(B)

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]

Thank you so much Timothy!  Will send ASAP.

Message Edited by Saedra on 04-15-2008 07:25 AM

[Anonymous]

Update--I sent the letter Timothy suggested and faxed it to Equifax and guess what?  Palisades has disappeared--POOF!  Thanks so much for your help.  That was faster than I expected!

[Anonymous]

cool-

---

Saedra wrote:

Update--I sent the letter Timothy suggested and faxed it to Equifax and guess what?  Palisades has disappeared--POOF!  Thanks so much for your help.  That was faster than I expected!

---