Use This Sample Reinsertion Letter When a Negative Gets Put Back on Your Credit Report
You've removed a negative entry on you credit report through your hard work and perseverance. But what if a removed negative item is back on my credit report? This can happen because a credit bureau will sometimes remove negative information temporarily until they get the information verified as true. Then they will put this information back on your report. By law, they can do this BUT they have to notify you in writing.
If they DO NOT notify you in writing, it is an instant violation of FCRA, which carries a $1,000 fine PAYABLE TO YOU! Here is a sample letter to send to the bureau(s) that put the negative information back on your report without your knowledge.
Credit Reporting Bureau
Re: Account #:XXXX-XXXX-XXX
Social Security #:
Dear Sir or Madam;
I disputed the referenced accounts above on (date you sent them original dispute letter). The credit report of (date you recd notification it was removed) and your report # shows these items were deleted from my credit file. Now these items have been reinserted on my credit report.
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions:
*FCRA § 611, Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
*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 reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
*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. 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 no later than 5 business days after the reinsertion date.
(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.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
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