Unlicensed CA on CRA reports

[mountaindews]

A few months ago I disputed some collections accounts from a ca that is not licensed in my state. They were deleted off my CRA reports. Now that I pulled a new report they are back on there under the same UNlicensed CA. What do I do now?

[Trish]

A TL cannot be reinserted unless the CRAs notify you within 5 days.
If that is the case, you send them this letter:

Your name
Your addy

Date

Certified mail receipt number ____________

CRA name
CRA addy

Dear Sir or Madam;

My social security number is ____________

My date of birth is_____________

This is a request as authorized by the FCRA . § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

In my letter of (date of dispute letter) I disputed the following account (Name of account & account #)

In your letter of ____ and your report # ____ of (date) you have (describe the action they took).

Please furnish me with the following ;

(1)A description of the procedure used to determine the accuracy and completeness of the information.

(2) 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 such information;

Sincerely,

John Q Public

IF AN ACCOUNT THAT WAS DELETED HAS BEEN REINSERTED -SUBSTITUTE (1) & (2) WITH THIS:

In accordance with the requirements of the FCRA as shown below,I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

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.

Please furnish me with copies of any and all such certification.

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.

I received no such notification,this is a serious violation of the FCRA, and I reserve the right to pursue further action.

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.

Please furnish me with the required statements and data

(C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

Please furnish me with a full description of the procedures used to determine the accuracy of the information.

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days

[mountaindews]

Thanks so much Trish!

[Trish]

You're welcome

[mountaindews]

What if a TL is re-inserted under a different collection agency? Is it considered a new TL?

[Trish]

Originally Posted by mountaindews

What if a TL is re-inserted under a different collection agency? Is it considered a new TL?

Unfortunately..yes.
You would just have to start the whole process over again (dispute, DV or 1 2 punch)