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deleted CA, can it be added in future?


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I recently disputed a collection acct w/ EQ and the same day sent a DV letter to the CA. I got a new CR that said it had been deleted, What is the chance the CA verifies? Can they report it again? Should I just dispute and only DV if it remians from now on?

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It could come back up but, if you have already received a new report and it states that the account has been deleted, the CA didn't verify.

They could report again, but reinsertion of a previously deleted account is held to a higher standard of proof and you must be notified within 5 days, I think.

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Yup...nascar's right.

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.

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