MissSilence Posted May 5, 2007 Report Share Posted May 5, 2007 I'm wondering if you have to get a CA, by disputing with the CRA, to verify the incorrect info they are reporting before you can file a suit against them for violating? Link to comment Share on other sites More sharing options...
kevin3344 Posted May 5, 2007 Report Share Posted May 5, 2007 That's what my NACA atty told me. I disputed with the CRAs CMRRR. If the CA says it's reporting correctly, you wait to get the hardcopy results back in the mail. Then you can file suit. Link to comment Share on other sites More sharing options...
MissSilence Posted May 5, 2007 Author Report Share Posted May 5, 2007 Would you also need to dispute directly with the CA or just worry about disputing with the CRA? Link to comment Share on other sites More sharing options...
cjtx Posted May 5, 2007 Report Share Posted May 5, 2007 you need both, but you can send them around the same time. you need to show the CA had 30 days to verify your dispute. Link to comment Share on other sites More sharing options...
MissSilence Posted May 5, 2007 Author Report Share Posted May 5, 2007 Ok thanks!! Now I gotta dispute with the CA, already did with CRA and it came back verified. Do I say specifically in the dispute what they are listing wrong or just a blanket "I dispute the information you are reporting to EX" and let them worry about figuring out what they screwed up on? Link to comment Share on other sites More sharing options...
cjtx Posted May 5, 2007 Report Share Posted May 5, 2007 I know from experience that EX sometimes verifies very quickly.so, at this point, if it's been at least 30 days since you disputed with the CRA, tell the CA they verified wrong information to the CRA and they have 5 business days to remove the tradeline or you will file suit. that should do for claims under FCRA and/or FDCPA, or even Texas FDCA. If you are going for blood and want to sue for deceptive trade practices, you need to give a 60 day ITS notice with a list of damages. Link to comment Share on other sites More sharing options...
MissSilence Posted May 6, 2007 Author Report Share Posted May 6, 2007 tell the CA they verified wrong information to the CRA and they have 5 business days to remove the tradeline or you will file suit. that should do for claims under FCRA and/or FDCPA, or even Texas FDCA. If you are going for blood and want to sue for deceptive trade practices, you need to give a 60 day ITS notice with a list of damages.This is Allied Interstate I'm dealing with so yea I want some their blood I'm usually not big on revenge but these people bring out the worst in me:twisted: Link to comment Share on other sites More sharing options...
Recommended Posts