Is it permissible, under certain conditions, for a consumer reporting agency to reinsert information that has been deleted as a result of a reinvestigation from a consumers file?

This is true. There are certain times when deleted information can be put back onto a credit report. However, the Fair Credit Reporting Act has made it much more difficult for these circumstances to occur. Therefore, if you are alerted that it’s going back on your credit report, something rare has occurred. One of the most common reasons this happens is because the item has been verified to be an accurate charge.

Most credit reports have charges that have been verified to have happened. If a company can’t verify that it happened, or they have doubts about it, it is typically taken off after thirty days. If the charge is later verified, it is typically added to the credit report with a legal notice that it is being put back on the credit report.