Fair Credit Reporting: 4.7.2.1 Generally
The FCRA’s provision governing the reinsertion of previously deleted information has three parts: (1) CRAs must adopt procedures to prevent the reappearance of material, except as specifically allowed;1762 (2) for previously deleted material to be reinserted, the material must be certified by the furnisher;1763 and (3) if material is reinserted, the consumer must be promptly notified.1764 What constitutes a “reinsertion” for purposes of these