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I have an account which I have no knowledge of that recently showed up on my report. I disputed it once and it was removed because it had the wrong social. Now it has reappeared and after disputing it again I was informed it was verified by experian. Are they supposed to contact me before they are allowed to report?
No, a CA does not have to notify you before reporting.
Because it was removed due to a dispute, the CRAs have to certify the debt is valid before it can be reinserted, by anyone. When it is they have 5 days to notify you.
It was reinserted under a different account number. So, technically it was not the same account. I am going to send the CA a DV letter because the whole thing smells a little fishy.
I don't think the account number matters. If it is the same debt if anyone tries to report it the CRA has to verify it to be valid.
I would send the DV.
+1 guiness.
And yes, if it was the same debt, they would have to notify you about putting it back on your CR.