If an account is deleted via dispute to the CRA- the re-insert rules come into play.
If you DV or dispute with the OC/CA they can remove and then re-insert AFTER they validate.
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)).
Wonderin wrote:
Well, that depends ... if you disputed with the CRAs (as I understand it), they have to verify with the CA. The CA, legally, has all the time in the world to verify the account with the CRAs. Until they do, though, the TL has to come off.
It could very be that they DIDN'T verify for a while and it was deleted. But then DID verify and now it's back on. From what I've seen here, it happens a lot.
I think your best bet is to DV'em. If you haven't already done so. That I wouldn't know 'cause I've not seen any other post by you on that subject. :/
