First, deletion that occurs as a result of a dispute is not absolute.
Reinsertion is clearly permitted as long as the reporting is accompanied by a certification of accuracy of the information.
That overcomes any prior lack of verification that may have led to its prior deletion.
Second, the resinsertion restrictions imposed after deletion based on a prior dispute only applies to credit reporting.
It does not prohibit continued attempts to collect on the asserted debt unless the debt collector is also under a cease collection bar.
Cease collection bars are implemented by sending a timely debt validation ("DV") request under FDCPA 809(a), and are not imposed by a dispute under the FCRA.
You have the right to bring civil action to prove the debt to be illegitimate.
If proven in court, that will end any legal collection activities.
Do you have proofs showing that the debt, per se, is not legitimate, and if so, are you willing to initiate civil action seeking a judgement of no legitimate debt based on your evidence?
