[spinn]

When a company re-inserts 30 day lates......doesnt the CRA or someone have to send you some form of written notification?

If so.....what law require that?

[Pale Rider]

FCRA 611 (a) (5) (B)

(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.

[spinn]

Thanks PR.

[jlynn]

It had to be deleted thru a dispute with the CRAs.

[spinn]

They deleted it after an FCBA dispute so I guess this doesnt apply.

[jlynn]

You might should dispute it thru the CRAs that per the results of an FCBA dispute you were not ever late.

Just a suggestion...other opinions may vary.

[Pale Rider]

Originally Posted by spinn

They deleted it after an FCBA dispute so I guess this doesnt apply.

What was the outcome of the dispute process under FCBA?

Did you get anything in writing?

[spinn]

They refunded half of the fee, admiiting they made a mistake in my opinion, and deleted the lates.

After I closed the account, on the advice of one of their CSRs surprisingly, they re-inserted the lates.

It amazes me the lenghths they go to to screw you. I had that account for 6 years without ever being late and they wouldnt raise my limit, even though FICOs are mid 700s....jeeeeez.

[Pale Rider]

They can't report anything about the dispute (except that it is disputed) if you followed the correct procedures of the FCBA. I would dispute with CRA and directly with data furnisher. See how they respond, then go after them for violations if necessary.