Re-insertion of an account

[Anonymous]

Question is asked a lot so thought I'd share this:

§ 611. Procedure in case of disputed accuracy

[15 U.S.C. § 1681i]

   (a) Reinvestigations of Disputed Information

         (5) Treatment of Inaccurate or Unverifiable Information

                (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)).

          (D) Automated reinvestigation system. Any consumer reporting agency that

            compiles and maintains files on consumers on a nationwide basis shall

            implement an automated system through which furnishers of information to

            that consumer reporting agency may report the results of a reinvestigation

            that finds incomplete or inaccurate information in a consumer's file to other

            such consumer reporting agencies.

Message Edited by sidewinder on 03-02-2008 06:54 AM

Message Edited by sidewinder on 03-02-2008 06:55 AM

[Anonymous]

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)).