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bakes1313

According to TU rep, no notification needed for reinsert!

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Yep, you read that correctly. :shock: According to the CSR at TU, that I spoke with today they are not required to notify you if they reinsert negative items. I called them for an inquiry, and she said anything else I can do for you? I said, "well I wrote a letter a while back about a negative item being reinserted into my report and I haven't heard anything."

CSR: "that's because we don't notify you if that happens"

me: "oh, you don't, why is that? aren't you breaking the law"

CSR: "no maam, we are not a credit monitoring agency, we are a credit bureau"

me: "well, I am pretty sure that you are breaking the law by not notifying people of this, anyone else complain?"

CSR: "no maam, anything else I can do for you?"

 

Ok, what about the FCRA sec. 611, (a)(5)(;)(2)? What am I missing here?

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I got the same thing from EQ once, about an address...they haven't reinserted the old addy since I told the CSR that I want the address surpressed, and that if I EVER see it again, I'd be filing suit the next day for their violation, and naming her as a defendant as well, since she told me that they don't have to notify consumers of anything, unless I were to "subscribe" to their service....

 

I don't remember anything in the FCRA concerning having to pay them to follow the law though...must have skimmed over that part

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I know that I have had a few reinsertions and sent certified letter stating the law and it was removed - never to be seen again (Thus Far Anyway). Just because they are CSR's for the credit agency doesn't mean they know the law.

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Oh boy...seeing that with your credit report TU sends you a summary of rights under FCRA. And in this summary that TU sends....it states "In addition, the CRA must give you a written notice telling you it has reinserted the item". So I find it pretty hilarious that the rep tells you they don't have to notify you...yet they send you something saying that they do have to notify you. :)

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