Ya I agree. It seems these firms are relying on the fact that each individual suing them would have to put up considerable time and money, and so most don't .

Ya I agree. It seems these firms are relying on the fact that each individual suing them would have to put up considerable time and money, and so most don't . But if some economy of scale could be provided in filing these lawsuits, like those boilerplate will in a box products, then the business of credit reporting in its current form may be made non-viable.