What the bureau owes you after a change

A deleted item is not the end of the statute's interest in your file. Section 1681i carries four post-correction duties. One is automatic. Three require a sentence from you.

1. The corrected report (automatic)

Under 1681i(a)(6), when a reinvestigation changes something, the results notice comes with a free copy of the revised report. If it doesn't, ask; it's owed.

2. Notice to prior recipients (on request)

Section 1681i(d): at your request, the bureau must send notice of the deletion or correction to anyone who received your report in the last six months (two years for employment purposes). Which means: the lender who pulled you in March can be told in May that the item is gone. Ask in writing and name the lender if you know it.

3. No reinsertion without certification (automatic, but watch it)

Section 1681i(a)(5)(B): a deleted item can't come back unless the furnisher certifies it's accurate, and if it does come back the bureau must notify you within five business days. Which means: a reappearing item without a notice is a violation, and a Regulation V direct dispute plus a CFPB complaint is the next move.

4. The furnisher's own correction (their duty, your check)

Section 1681s-2(b): the furnisher that verified an item wrong must correct it with every bureau it reported to. Which means: a fix at Equifax should show at Experian and TransUnion within a cycle. Re-pull all three; if the other two still carry it, dispute those directly with the furnisher's own results letter attached.

Step one: read the results letter for the word deleted or updated, then write the request under item 2 the same day. Friday is the pull date for item 4.