How to keep from collection being reinserted?

[Anonymous]

I had previously disputed a collection I did not recognize. I honestly didn't think it was mine. IC Systems removed it from my reports because they couldn't verify it in time. They've since sent verification and I realize it is a legitimate hospital debt for $1375 that is mine. The letter says it will again be reported. I've since contacted the hospital and am awaiting forms to request financial assistance from the hospital. Would I be able to contact IC Systems and ask that they give me time to get this situated with the hospital or is there anything else I can do to keep it from going back on my reports? Thanks for any feedback.

[Anonymous]

If the hospital still owns it and is willing to help with financial aid, I don't see why they could not recall the debt from the collection agency.

I know some say that can't be done but it can.

[Shogun]

+1   The OC "pulling the debt back" from the CA is not a formal situation.  However, if the OC still owns the debt, then the CA is a client of the OC and will basically do what they request in order to continue doing business with them.  That is how this works.

[RobertEG]

As for their ability to reinsert the collection after it was deleted based on conclusion of a dispute, yes, they can do so, but must comply with the reinsertion requirements of the FCRA.

Deletion based on non-verification in a dispute requires CRA deletion, and leaves the accuracy unverified.  However, lack of verification is not absolute and final.

If and when they are able to provide the verification, they are required to accompany any request for reinsertion with a separate certification of its accuracy, thus completing the record prior to reinsertion.  Absent such a pre-certification,the CRA cannot reinsert.  If the pre-certification is provided to the CRA, they can immediately reinsert, but must send the consumer notification within 5 business days of their reinsertion.

If it is reinserted and notice is not received from the CRA that they have complied with the reinsertion provisions, it can be challenged as not being in compliance with the FCRA.