Unlawful Reinsertion Without 5-Day Notice - Deletion Demand

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] | Email: [CLIENT EMAIL] DOB: [CLIENT DOB] | SSN (last 4): XXX-XX-[CLIENT SSN LAST4] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER] RE: DEMAND FOR IMMEDIATE PERMANENT DELETION — Illegal Reinsertion Violation Under FCRA 15 U.S.C. § 1681i(a)(5)(B) To Whom It May Concern at [BUREAU NAME], I am writing to demand the immediate permanent deletion of an item that was illegally reinserted into my consumer credit file in direct violation of federal law. On [PRIOR LETTER RESPONSE DATE], [BUREAU NAME] formally notified me in writing that the following item was deleted from my file: Creditor / Account Name: [ACCOUNT CREDITOR NAME] Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] However, a recent inspection of my credit file reveals that this item has been reinserted. Under FCRA § 611(a)(5)(B) (15 U.S.C. § 1681i(a)(5)(B)), a consumer reporting agency MAY NOT reinsert previously deleted information unless: 1. The furnisher certifies that the information is complete and accurate. 2. The CRA notifies the consumer in writing of the reinsertion within 5 business days of the reinsertion (§ 1681i(a)(5)(B)(ii)). [BUREAU NAME] failed to provide the mandatory 5-day written notice of reinsertion. Under § 1681i(a)(5)(B)(i), you must immediately and permanently purge this item from my file. Sincerely, ____________________________________ [CLIENT FULL NAME]