cancel
Showing results for 
Search instead for 
Did you mean: 

re-insertion

tag
Anonymous
Not applicable

re-insertion

if you dispute a trade line with equifax as to old to report and they delete it then 2 months later it re-reports on your cr the same information but the DOLA changed from 6/01 to 12/01, DOLP changed from 6/01 to na ,DOFD changed from 6/01 to na, MONTHS REVIEWED FROM 67 to 1, DMDFR CHANGED from 6/01 to 6/08. who is doing what here is this re-aging? is this legal?by the why this is all ready off my other reports.
Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: re-insertion

bump
Message 2 of 4
Anonymous
Not applicable

Re: re-insertion

dispute this as a "reinsertion" ...by law CRA has to notify you within 5 days before they reinsert....as far as i know NONE of the CRA send out the 5 days notice...so say something like "i was not notified as per FCRA"...
 
i disputed this with some "sticky" cap 1 accounts, on my Tu and EQ reports...they were gone, then they came back, gone agin, back again..finally they are off for good...:smileyhappy:
 
as far as the Re-Aging, dispute with old CReports...if you still have the hard copies....hope this helps
Message 3 of 4
Anonymous
Not applicable

Re: re-insertion

Yes- 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)).
Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.