CRA reinsertion of deleted items

[Bird]

Ok. I am well aware the CRA cannot reinsert previously deleted information without following a specific protocal that involoves certifying that the information is complete and accurate, notifying the consumer withing 5 days after the reinsertion, etc. [15 USC 1681i (a)(5)(B)].

Now, it looks like the CRA's can sidestep these requirements if the account is sold to a different debt collector, because it looks like a "new item", and not a "reinsertion".

Anyone have other information about this scenario?

[seeker]

I believe I did see information to that effect, however, it can be 'challenged" as NOT MINE!!
I think we have to get a little more forceful in exerting pressure on the CRAs to get something besides, "gee, they got yur address (or name) spelt right! Ain't that the validation yur looky for???" LOL. Sorry, those people make me nuts sometimes. Especially since I just read on a CR that the "qualifying" information for releasing the CR was name and address -- and apparently it need not be current!

Seeker

[Jerseee]

Bird,

the new insertion usually references the old account. i'd send a copy of the deleted report along with the new report and point out the discrepancy and attempted fraud.

Give them the benefit of the doubt first, attack later. But let them know up front that there will be activity on this--from your position. Let them know your watching them.