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Reinserted deletions from TU

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Got a good one here, I HOPE! I’ve been monitoring my credit report from Trans Union every day this month. I filed a lawsuit, which was settled by them deleting an account. They deleted the account today. After reviewing my report I found that they had reinserted 3 accounts which were deleted in previous investigations. One was deleted 01/09/02, and the other two were deleted on 422/02. All three were put back on today 7/10/02. I understand they have no later than 5 business days to send me written notification that the items have been reinserted.

My question is:

1. Has anyone ever received a letter telling them that items have been reinserted from Trans Union?

2. My second question is should I file 6 business days after today 7/10/02 and give them 2 days in case they post date it (sent it) on the 5th business day.

3. And third, can I claim a $1,000 for each account they reinserted?

Sounds like they are Retaliating from the lawsuit. If this is so, they may actually follow the rules and send the letter. Then I'm stuck again.

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<blockquote>

1. Has anyone ever received a letter telling them that items have been reinserted from Trans Union?

I haven't from TransUnion, but have from Experian.

2. My second question is should I file 6 business days after today 7/10/02 and give them 2 days in case they post date it (sent it) on the 5th business day.

I'd send them a letter first, telling them what they did was illegal, and if they don't remove the reinserted listings you will file suit. (It's too late for them to correct this by sending you a letter.)

3. And third, can I claim a $1,000 for each account they reinserted?

Yes.

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Admin, could you clarify plaese? What did they do that was illegal? I thought that they were allowed to reinsert entries as long as they notified you within 5 days :confused:

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It's only a violation if they fail to notify me that the accounts have been reinserted. They have done this once before and they agreed to remove the item. I guess I should show "good faith", but I'm really upset about it because I wanted to apply for a car loan today. The three items were only late pays, but one is showing up 60 days past due now, which it's NOT!

I called the creditor and they gave me the dispute &*^%$! Tell me something I don't know

:)

Trans Union seems to have two different departments. My file can not be handled by regular checkers so to speak. My file is being handled out of California. I have direct numbers to call about this one.

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heurantis,

It seems to me that 5 days have long gone by and they didn't notify wclewis of the reinsertions. That is illegal. Or did I miss something?

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I have a similiar problem with t.u.

a reinserted delted item. I never received a notice that it was reinstated so on June 27th i faxed them a letter

on june 28th i called them they told me they received the fax that day (28th )

and that they would repsone within 5 days

well as of yesterday they didnot reponse

so today i filed in small claims court

i did call them today and they told me that my faxed was being invesgated and they were just waiting to hear from the

bk court ( i'm disputing a bk which is our but the info is wrong.)and that i wouldhear within 30 days.....

When i went to court today to file the paperwork the judge was there and he told me that he's never done a case that involed FCRA AND FDCPA...So he asked me to give him copies of them which i did

i gave him a book i have hear and his staff made copies, he said he is actually looking forward to hearing something different. My date is set for september 12th

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GOOD LUCK! I'm hoping Trans Union doesn't send notification of the reinserted deletions. I'll attempt good faith by calling them and faxing them the violation, but they will only have a few days to respond.

I applied for my car loan today, my average credit score was around 480 in November 2001. I had collections, charge offs, and several late pays. Now I only have late pays to correct. Today, my average score is around 659. I applied for my car loan today with State Farm and got it with a good rate.

All the work really pays off. I'll no longer let anyone take advantage of me again.

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WC you mentioned that you were monitoring it daily. Are you buying the yearly subscriptions from each of the CRA's? or is there another way to do this? I would be shakin in my boots to sue someone in court without an attorney or one of you guys there LOL They'd say something and the cat would get my tounge!!

If no one has told ya'll lately, thanks for doing this board. Your past experiences and up-to-date info and procedures are giving me hope again.

:D

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Lisa, you definitely have a case with TU. Even if they let you know within 5 days, they needed to notify you within 5 days of the reinsertion (which was if I remember right, in January). So they are definitely screwed.

I can't wait until Sept 12. Good luck and good work.

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Yes i cannot wait either --the d..j office just called and t.u was served with the papes yestaerday......Since it was in another county they did the serving for me........ It was only an x5$

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Win Win Win! I told Trans Union's lawyer if the reinserted accounts were not deleted, I would continue the lawsuit against them not using my evidence as required. The evidence should of been sent to the creditor to assist in the investigation.

All three reinserted items were taken off, and the lawyer sent my updated report overnight. The lawyer stated it was Trans Union's policy to verify previous items, which were deleted because the creditor didn't respond. I stated that had nothing to do with my lawsuit and it sounded like I was being punished for filing it.

They were deleted that day! :D

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WooHoo!!!!! WC and Lisa, you rock!

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