 TITLE: Can Previously Deleted Items Reappear on My Credit Reports? CONTENT: Understanding How a Credit Report Dispute Works\n-----------------------------------------------\nThe credit report dispute process is designed to help consumers ensure the accuracy of their credit reports. If you believe an item on one of your credit reports from the three major credit bureaus (Experian, TransUnion or Equifax) is inaccurate, you can dispute the information. The credit bureau will then investigate your dispute, which at Experian entails contacting the company that reported the information, also known as the data furnisher, who must then determine whether the information they reported to the bureau was accurate.\nOnce the data furnisher receives a notice of your dispute from a credit bureau, they must investigate the claim to determine whether the dispute merits a change in their reporting. The process typically takes 30 days or less and results in the contested item either being modified, confirmed as accurate and left on your credit report, or deleted from your credit report.\nIn rare circumstances, items deleted from your credit reports can, in fact, reappear on your credit reports even after the dispute resolution process has been completed. This practice is referred to in the Fair Credit Reporting Act (FCRA) as \"reinsertion.\" END