alan2k032003 Posted June 9, 2003 Report Share Posted June 9, 2003 In my case, I found there is a fraudulent account on my credit report while I am in mortage load process. I submitted dispute to all three credit report bureaus 30 days ago, Transunion, Equifax removed this record in 2 weeks but Experian decide to put this negative record on my credit report. Can I sue the Experian credit report bureaus and collection agent? Where to find the laywer who is expert on this kind of case? Link to comment Share on other sites More sharing options...
TexasLawyer Posted June 9, 2003 Report Share Posted June 9, 2003 You may be able to sue the CA, but it depends on the facts. Did Experian leave it on your bureau supposedly because the CA verified the debt to Experian? Link to comment Share on other sites More sharing options...
alan2k032003 Posted June 9, 2003 Author Report Share Posted June 9, 2003 I tried to call CA and Experian thousand times, but they just throw the ball to each other. Experian claim CA want to keep the negative record remain on my file, but CA said they are under investigation still and have no right to decide my credit score, it is Experian's business. I have no idea where this fraudulent account came from and never receive any collection notice from CA, it just shown on my credit report suddendly. I have filed police report and sent to CA 30 days ago, but CA hasn't resolve it yet. I am tired to deal with them, so I want to file a lawsuit to against them.Thanks for response Link to comment Share on other sites More sharing options...
calawyer Posted June 10, 2003 Report Share Posted June 10, 2003 You have to write letters. That way (unlike a phone call), you can prove what was said.Look for a lawyer in your state here:http://www.naca.net/ Link to comment Share on other sites More sharing options...
alan2k032003 Posted June 10, 2003 Author Report Share Posted June 10, 2003 Hi, I have sent written notice to them by certificated mail.However, I haven't heard their feedback yet. Should I find a laywer to handle this kind of case? Should I wait their feedback or just file lawsuit on small court? Link to comment Share on other sites More sharing options...
calawyer Posted June 10, 2003 Report Share Posted June 10, 2003 If you were denied a loan based upon errors in your credit report, your case may be attractive to an FCRA expert and you would not be subect to small claims limitations. Link to comment Share on other sites More sharing options...
alan2k032003 Posted June 11, 2003 Author Report Share Posted June 11, 2003 Hi I heard you need to have monetary damages in order to file claim. Could the delay of loan process, loan cancellation, higher point, rate...be monetary damages? Could the small claim court accept the case if I claimthe civil penalty $2500 under The federal Fair CreditReporting Act (FCRA) as monetary damages. Link to comment Share on other sites More sharing options...
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