Reinsertion- Does anyone know how the creditor actually provides certification?

[Anonymous]

Federal law prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer's credit report unless the bureau receives a certification that the information is correct and then provides notice to the consumer that the information will be reinserted. But many creditors illegally sidestep this requirement by altering account information that allows the credit bureaus to identify the deleted account. 

Does anyone know the process for how they certify the account for reinserrtion? Im assuming e-OSCAR but Id like to know if anyone has more information on exactly how they certify it. Any help is very much appriciated! 

[RobertEG]

The furnisher of the informaton that is being reinserted after deletion by way of a dispute is only required to certiy that the information is complete and accurate.  FCRA 611(a)(5(B).1

The is only a statenent that they have found the information to be accurate and complete.  It does not require accompanying ducumentation or "proofs."

[Anonymous]

thank you

[Sonic98]

What if you want something re-inserted they removed in error?

[Remedios]

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@Sonic98 wrote:

What if you want something re-inserted they removed in error?

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You will need to clarify what was removed and what preceded removal (dispute etc).

There is no generic answer to your question 

[CrSter]

It also depends on why it was deleted to begin with.  For example if the information is blocked by the credit bureau pursuant to FCRA 605(B) (Identity Theft (fraud)), then the furnisher of information (credit card bank, etc.) may continue to jump up and down and state that the information is accurate, but absent some sort of proof, enough for the credit bureau to "reasonably determine" that the information was blocked in error, based on a material misrepresentation of fact by the consumer, or that the consumer somehow benefited from the transactions in question and received actual goods or services, the information will remain deleted.

On the other hand if it is a simple dispute and doesn't rise to the level of a FCRA 605(B) type claim, then maybe it will be enough for the furnisher of information to state simply that the information is accurate, and in that case the information will either never be deleted or reinstated.

I think this is the problem in general with dealing with credit bureaus - they have a tendency to misunderstand the nature of the dispute from the consumer and just robotically maintain the disputed information no matter what the consumer says as long as the furnisher of information comes back with a response that the information is accurate.

The plus side of that credit bureau robotic response is  - if the furnisher of information fails to respond to the dispute, the information will be auto deleted.

[Sonic98]

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@Remedios wrote:

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@Sonic98 wrote:

What if you want something re-inserted they removed in error?

---

You will need to clarify what was removed and what preceded removal (dispute etc).

There is no generic answer to your question 

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One was an account I had the credit remove a couple of late payments. They were not dropping off my reports, so I reached out to the credit agencies about it, and one completely removed the account. I didn't even ask them to dispute. I just called to see what I should do. 

The other was they disputed an account I did not ask them to, and it ended up being removed from my credit file. I disputed a collection that I don't think was mine. The original creditor for the collection was the same creditor for the account that was disputed. I basically told them I did not have an account with this creditor 6 years ago or whenever the collection company said I had an account, and they disputed the collection and the current account. 

They keep telling me I needed to have the companies do a re-insertion request. I've had both companies re-report, and it's not back on my report.