SugarNspice Posted April 2, 2007 Report Share Posted April 2, 2007 I had pulled my CR and disputed a bunch of CA accounts. Most of them were deleted, one of which was Asset Acceptance during my first round of disputes. I received an updated CR after my dispute and asset was deleted. I started my 2nd round of disputes and received the results in the mail. This was about 2 weeks ago. Today I subscribed to the credit monitoring and noticed that Asset Acceptance was reinserted. I cant find my proof that the TL was deleted. Im searching through all my papers and I cant find it. My question is do I need the proof to show transunion that they deleted it and that I was not notified within 5 days of the reinsertion? Can I just call them and tell that I was not notified of the reinsertion hoping they will delete it? I'm worried that they may have reaged the account because this is only on my Transunion CR and it say that I have a recent collection account on my CR. Link to comment Share on other sites More sharing options...
thomassl Posted April 2, 2007 Report Share Posted April 2, 2007 How would you "prove" it without the actual paperwork? They can always deny and you have no physical proof! Link to comment Share on other sites More sharing options...
SugarNspice Posted April 2, 2007 Author Report Share Posted April 2, 2007 I know pretty stupid I thought I was pretty organized too. I guess I have to look harder. It'll come up when I'm not searching anymore. Link to comment Share on other sites More sharing options...
skdigi Posted April 3, 2007 Report Share Posted April 3, 2007 that is a good question...if say she does have the paper work, is it as easy as faxing it to the CB and saying "take it off?" Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 3, 2007 Report Share Posted April 3, 2007 Read the FCRA 611(a)(5)(As long as the data furnisher certifies that the information is complete and accurate, then it can be reinserted. Just b/c the CRAs didn't notify you of the reinsertion doesn't mean that you'll get a deletion. You can however report it to the FTC. Even if you could sue for the violation, the most you'll get is $. But as long as it's "complete & accurate", then it can stay. Now...is it REALLY complete & accurate? You'll have to tackle Asset on that, which you'll probably have a lot more success w/ them. Link to comment Share on other sites More sharing options...
SugarNspice Posted April 3, 2007 Author Report Share Posted April 3, 2007 Well it is accurate but the OC was suppose to fall of this year in april or may I cant tell if they reaged it cause it just says the "date open" as when it was placed with Asset for collection in 2005. It doesnt say that DOLA on my truecredit report just the date open and the amount and OC. I heard Asset is known for reaging. Asset is only on my transunion CR and the OC was deleted from all 3.Thank you all for your replies. Link to comment Share on other sites More sharing options...
VonAngel (aka EarthAngel) Posted April 3, 2007 Report Share Posted April 3, 2007 Pull your actual TU report directly from TU. There should be a line at the end of the TL that gives you the estimated removal date. If it's later than April 07 or so, then it has been re-aged. Asset can be some SOBs, so don't let them push you around. Link to comment Share on other sites More sharing options...
direred Posted April 4, 2007 Report Share Posted April 4, 2007 This is probably the TU data migration glitch mentioned in another thread. It's happened to a lot of people. Link to comment Share on other sites More sharing options...
Recommended Posts