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highflyer40

Experian lawsuit filed

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Hi All...

I filed a lawsuit yesterday against Experian for their "previously investigated" BS. They have been using that line on disputes that I have sent to them. I am getting my case in order, I have the paper trail and the damages.....and the know-how thanks to this site!

After I am done with this, I am going to focus on their refusal to dispute inquiries.

Cheers!

HF40

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Hi - I found the same problems with Experian - I informed them 3x that a post on my report was a duplicate - and yet they kept replying - confirmed by CA - I had to contact the original creditor to update the CA records - but, yet - they Experian - kept reporting an invalid collection account on my report. I am in the process of asking for deletion due to their practice - we will see

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It's after march 6th. What was the result? I'm interested because I have a similar issue with Experian

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We went into mediation before the trial. Experian said the same old stuff, was previously investigated...blah..blah. I told the mediator this wasnt working and that I want to go before the judge. Experian then offered to settle. I have an agreement that they will be deleting a few negitive tradelines, reinvestigating two others and $800.00. Small claims works...just be sure to have a paper trail and be very prepared. I had my case in order and it really helped.

Cheers!

HF40

<blockquote>Originally posted by fat tony

It's after march 6th. What was the result? I'm interested because I have a similar issue with Experian

</blockquote>

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Way to go Highflyer!

You make going to court not so scary!:ooh:

See we can do something about them.

You are an inspiration to all! ;)

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Sure..glad to share! The MA consumer laws are really good, I use them along with the Fedral laws. MA Chapter93A is exellent, it allows for triple damages. So with the limit of small claims at 2k here...its nice to bump it up to 6k citing that law.

Goodluck!

HF40

<blockquote>Originally posted by capepuffin

Way to go Highflyer!

You make going to court not so scary!:ooh:

See we can do something about them.

You are an inspiration to all! ;)

</blockquote>

:)

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<blockquote>Originally posted by highflyer40

Sure..glad to share! The MA consumer laws are really good, I use them along with the Fedral laws. MA Chapter93A is exellent, it allows for triple damages. So with the limit of small claims at 2k here...its nice to bump it up to 6k citing that law.

Goodluck!

HF40

</blockquote>

Thats good to know! I am from MA as well. Trying to decide on how to handle some of these CA's and OC's. My concern is with the OC's, mainly. Chapter 93A is what I have been researching as of late. I didn't realize that this chapter allowed for triple damages. Will be checking this one out again tonight!

Thanks for the information and keep up the good work!

;)

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Yes...93A is the way to go. Send a certified "30-day demand letter" under that law. If they ignore you, then you can show the judge that you tried to resolve it.Once that is done, you can get triple damages. I sent the 30 day demand letter to a CA and we settled out for $1500.00 I posted that on this board.

Good luck

HF40

<blockquote>Originally posted by capepuffin

<blockquote>Originally posted by highflyer40

Sure..glad to share! The MA consumer laws are really good, I use them along with the Fedral laws. MA Chapter93A is exellent, it allows for triple damages. So with the limit of small claims at 2k here...its nice to bump it up to 6k citing that law.

Goodluck!

HF40

</blockquote>

Thats good to know! I am from MA as well. Trying to decide on how to handle some of these CA's and OC's. My concern is with the OC's, mainly. Chapter 93A is what I have been researching as of late. I didn't realize that this chapter allowed for triple damages. Will be checking this one out again tonight!

Thanks for the information and keep up the good work!

;)

</blockquote>

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<blockquote>Originally posted by highflyer40

Yes...93A is the way to go. Send a certified "30-day demand letter" under that law. If they ignore you, then you can show the judge that you tried to resolve it.Once that is done, you can get triple damages. I sent the 30 day demand letter to a CA and we settled out for $1500.00 I posted that on this board.

Good luck

HF40

<blockquote>

How much was the CA asking you for originaly, before you settled?

Did you ask them to remove the tradeline from your CR?

If you did, did they agree to remove the tradeline from your CR?

So that CA did respond to your demand letter. Have you had any CA's that haven't responded to your demand letters? And if they didn't did you go to court?

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It was a 600.00 debt they didnt validate.

They never had a tradeline entered on my CR.

I got them to remove an inquiry they had on my CR though.

This was my only dealing with a CA. They faxed my place of work, looking for financial info on me. This was after a validation request that they receieved. I sent them a 30-day demand letter stating multiple violations of the FDCPA and MA consumer laws. I demanded 4K for their violations. Their lawyer sent me a letter basicly saying it was a mistake and that they have stopped collecting on the debt and returned it to the OC.(Like he was doing me a favor) ha!! I sent the lawyer a letter basicly saying, it wasnt about the debt in question, it was about their violation of the FDCPA. I also gave him a date that if I didnt hear from them, I would be filing a lawsuit. He called me a day before my stated date and we settled.

Even if they do respond to the 30 day demand, if they wont attempt to settle in good faith, you can still sue under 93A.

Cheers!

HF40

<blockquote>

How much was the CA asking you for originaly, before you settled?

Did you ask them to remove the tradeline from your CR?

If you did, did they agree to remove the tradeline from your CR?

So that CA did respond to your demand letter. Have you had any CA's that haven't responded to your demand letters? And if they didn't did you go to court?

</blockquote>

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