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How many times can a CA Re-Report???


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I have a TL being reported by a CA that I have disputed twice. Both times they have been removed from my CR and they keep showing up again.

They obviously don't have proof, so they keep taking it off, but I am assuming that since it's w/in SOL they can keep trying.

Is there a limit to how many times they can report w/no proof? Do I have to keep re-DV'ing until it's out of SOL?

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When it shows up again, is it showing the original information, or is it showing it as a new account? Have the dispute results stated the account was "deleted" or what? If the account was unverifiable and deleted, the CRA must notify you, in writing, within 5 business days after the re-insertion. Sometimes the CRA's will just delete the TL until the investigation is complete too. Also, if the CA is unable to verify the information when they're disputed through the CRA, they can allow delete, then re-insert if they can prove the accuracy of the info to the CRA (yeah right!). Have you received MOV, in writing, from the CRA's? If not, you need to ask, better yet, demand that they provide you, in writing, the name and contact information of the specific individual at the CA, that verified the accuracy of the re-insertion. Hell, I'd ask them who, at the CRA, verified the accuracy of the info from the CA. Tell them you have sent DV's and you got no response, so who in the bleeeep, did you talk to? They have to provide you with the means in which they verified accuracy, in writing, after re-insertion. Period. Cut and Dry.

The FCRA states:

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

(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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I just went over my CR's again and what they did was report it only to EX. They had previously only reported to EQ and TU, so I guess this wouldn't be considered a reinsertion, but this is good information to know.

When I originally disputed with EQ and TU they deleted with the normal dispute process (unbelievable). I didn't have to DV at all - now I'm going to do that process so I have the paper trail.

Thanks for all of your help!

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