Equifax resubmitted Deleted account

[purereiki]

I have been sending letters to RMA to show me validities of the account. I have not received any responce from them. I have sent the 2 letters plus a estoppel letter and still no responce. So I went ahead and diputed it with Equifax. They sent me a letter stating that they have deleted the account. But the account still appears on my report, so I called them to see what was going on.

They told me that the account was deleted due to no responce from CA. But that CA went ahead and resubmitted the account. I said that they can't do that and they said they did and that I have to wait the 30 days for dispute again.

I even sent CRA the copies of the letters I have been sending CA.

So both me and CRA get no responce but yet CA can still report.

What do I do? Is this legal for them to resubmit? Now I can't get my home because of this.

Please help!

[sisflomi]

Equifax if pretty good about deleting accounts that have been re-inserted. Call and ask for a supervisor. Explain that you are in a rush as you have a mortgage pending. Tell them you did not get a notice within 5 days that they had re-inserted it. They should delete it. If not, type this out and fax it to them asap.

Name

Address

SSN

DOB

Date

CRA

Address

Dear CRA,

This is a request as authorized by the FCRA:

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

I sent you a letter on (date) with information that I disputed the account listed below:

Account Name Account #

In response to this dispute you sent me a letter dated (date) with file number (insert file #). In this letter it stated that my investigation is completed and listed the out come of the disputes. For this account, the action you took was to (action taken).

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

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.

Please furnish me with copies of any and all such certification.

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.

I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

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.

Please furnish me with the required statements and data.

© 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 and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency,

including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

Please furnish me with a full description of the procedures used to determine the accuracy of the information.

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6) ( (iii) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.

Sincerely,

Name

[purereiki]

Thank you so much for your help, I will give them a call today and see what they have to say.

Thanks once again, hope that works:)

[sisflomi]

your most welcome

[admin]

bump