(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.
First, the creditor must certify the information is accurate with the CRA then the CRA must notify the consumer.
It looks pretty cut and dry to me.
Yes, it was the OC, but the CRA has to follow the FCRA also.