3 ms·
You shouldn't need a lawyer to pursue them. Assuming you're within the time periods prescribed in the FCRA, you can file your own complaint in your local small
by bdhess 9y ago
You shouldn't need a lawyer to pursue them. Assuming you're within the time periods prescribed in the FCRA, you can file your own complaint in your local small claims court.
Before that, I'd send them a letter clearly marked "Notice of Intent to Sue" (on the letter and envelope) stating what information is incorrect, and that you plan to file a suit in [insert name of small claims court] on [insert reasonable date] seeking $1,000 in damages for each violation per 15 USC 1681(n), unless the disputed information is removed before that date. And enclose any supporting documentation, and history of previous fruitless correspondence.
IANAL, but this has worked for me before with the credit bureaus, and I've never actually had to file the threatened suit. My best guess is that threatening litigation gets the case assigned to a legal team that is actually empowered to correct errors. It's a shame that that's how they've chosen to run their business, but then again, I'm not their customer, I'm their product.