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FCRA violations...can you sue for on each TL?


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If a CA is sued for the FCRA violations and you file your complaint...can you seek judgement for the same FCRA violation for EACH tradeline as reported to the CRAs...

For example: If you were to sue Midland for "factoring account" status and this is an FCRA violation regarding character of the debt (up to $1K) can you list the same violation up to 3 times in your complaint (3x$1K) since "factoring" appears with all three bureaus?

...likewise for any other FCRA violation that appears on all three bureaus--or can you just be rewarded for the violation itself no matter how many reports it appears on....

geez, I hope what I'm asking makes sense....having trouble wording it this late at night. Asking this as a general question NOT necessarily to sue for "factoring", but sure am hoping to along with several other violations.

Thanks as always...

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Johnfury---Say you are driving in your car and you go thru the city of Exp and you get a tkt for speeding 60 in a 30 zone. Then you go thru the city of Eqfx and get a tkt for speeding 60 in a 30. Then you go thru the city of TrnsUnion and get a tkt for speeding 60 in a 30. You now have 3 speeding tkts. Same car. Same driver. Three separate tkts. Since each city is a separate entity, you must answer charges in all three cities. Some small claims courts allow consolidation of charges. If not you must file 3 separate complaints and pay 3 fees. Almost all State level courts allow consolidation. One filing fee. All Federal allow consolidation. Pop three suits on these jokers listing all violations in each suit and dont forget to send your offer of settlement for them to send you your certified check for the amount you decide and absolute confirmation of this derog never appearing on earth anywhere ever again. Always, ALWAYS include a 10,000-15,000 Liquidated Damages clause in your settlement offer to them. Its a matter of economics for them. Is it worth the cost to them to fight your charges or payout and get rid of you? Keep us posted and good luck.

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Yes. FCRA violations are per offense. So if a CA does the same thing three seperate times, you have three liability claims.

Keep in mind that with CAs there is rarely a FCRA violation without also generating an FDCPA violation (and vice-versa). FDCPA violations are per action (lawsuit) but as a strict liability law, you don't have to prove intent, you only have to prove that actually did it. If you can prove an FDCPA violation, then it becomes easier to prove the FCRA violation tied to it (which is not strict liability).

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