how can they????......?

Question

can n e 1 provide advice/ (what to do?) on an illegal act by a credit bureau? items once removed have been reinserted without proper procedure; per FCRA ,(fair credit reporting act) one should be notified in writing 5 days prior to them doing so. this was not done!! PLEASE GIVE ADVICE ASAP. besides, these items were removed previously because they could not be "validated". this took place in MAY 2007, what, now they've been validated? NOPE!! the law was still broken on their part & i want justice.

this is not about manipulating the system. so stop reading into this before knowing the "goings on" ( shows stupidity on your part ). now, about this matter, a law was/ and are broken daily by the major credit bureaus & collctn. ag encies. per the FAIR CRDT RPTNG AC T, if it can't be proven/ validated ( proof positive) , it cannot be legally & lawfully on one's credit report. in reference to my previous asked quiry, how should i fight this unlawful act that took place?

Answer 1

There is a huge difference between should and shall.

Additional information.

The third poster is completely correct.

The only one who looks stupid is you.

Answer 2

Unless it was a frivalous dispute. The main purpose of the section is to protect against identity theft. People who dispute just to dispute to get negatives removed, really are not protected. You yourself violated the rules by providing and creating unnecessary work to dispute items that were in fact yours. That is not what the dispute process is laid out for. If the lender later proved that the debt was yours, it gets reinserted even if it's after the 30 days. There are no laws against that. No law broken and you have no recourse - you are not a victim of identity theft.
Also a good example that disputing items just to have them removed is usually not a very successful attemt at manipulating a credit report.
....
I'm far from stupid and have 26 years experience in managing lending.
The protection you have is that if it's incorrect you can dispute - which you did - and the lender has 30 days and if they don't the credit bureau needs to remove it. However, if the lender does verify it late - as yours - it can go back on. What the credit bureau cannot do - is put it back on without that verification from the lender. If the lender never responded, then it would never go back on.
Now when people dispute just to dispute negative items on your report, you are not following the fcra yourself and what it's laid out for.
The credit bureau is a big computer getting information from lenders. The don't do anything but get information and share it - and work with people who don't like what's on it. Mistakes happen, and it's usually a lender's fault, which is where the dispute process comes in. If something is on there you don't like - you need to get mad at the lender that put it there.
You can go ahead a hire an attorney but good luck.

Answer 3

Contact the attorney general of your state.
If he cannot help you, he will tell you who can.