Corvetteman Posted July 15, 2013 Report Share Posted July 15, 2013 My friend had a collection on his CR. The collection was 13 months old. He contacted the CRA and disputed as not his. He got a letter from the CRA after 38 days and they deleted the collection. Three weeks after they deleted the collection the CRA notified him that the collection had been reinserted. The collection had been inserted on 6/12/13 and they notified him on /6/15/13. He contacted the CRA and asked why it had been reinserted ? The CRA said after they deleted the collection then they received verfication from the OC. He asked the CRA when did they receive verification from the OC ? They claim they received verification from the OC on 6/11/13. This is 2 months after the original dispute with the CRA !! I know the 5 day rule about reinsertion. The CRA did there job by contacting him within 5 days. Can an OC take 2 months to verify and have the collection put back on ? Thanks Link to comment Share on other sites More sharing options...
BV80 Posted July 16, 2013 Report Share Posted July 16, 2013 1681s-2(b)(2): (2) DeadlineA person shall complete all investigations, reviews, and reports required under paragraph (1) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 1681i (a)(1) of this title within which the consumer reporting agency is required to complete actions required by that section regarding that information. 1681(a)(1) gives a time limit of 30 days. However, the above deadline says that's when a person (the OC) shall complete their investigation. It doesn't say that the CRA has to reinsert the TL right after they've deleted it. If the CRA does verify the item, even after 30 days have passed, it can (and generally will) restore the item to the credit report. Fed'l Trade Comm'n v. Gill, 265 F.3d 944, 9952 (9th Cir.2001). If the CRA does verify the item, even after 30 days have passed, it can (and generally will) restore the item to the credit report. Fed'l Trade Comm'n v. Gill, 265 F.3d 944, 9952 (9th Cir.2001). Link to comment Share on other sites More sharing options...
Corvetteman Posted July 16, 2013 Author Report Share Posted July 16, 2013 Thanks for the information. Link to comment Share on other sites More sharing options...
kutuzov Posted July 16, 2013 Report Share Posted July 16, 2013 As explained it is legal to reinsert a collection, that's why I always tell users that if they get an item deleted, specially medical bills, to try and pay the OC before the CA got a chance to reinsert a collection. Link to comment Share on other sites More sharing options...
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