beeboah Posted July 15, 2007 Report Share Posted July 15, 2007 I am suing a few OC's and it looks like the FCRA only provides stauatory relief in the event that an OC willfully damaged my credit report not negligently.The basis of my suit is violations of the FCRA without being too specific right now.It looks like only the FDCPA covers that and these guys are just OC's.Any thoughts? Link to comment Share on other sites More sharing options...
cjtx Posted July 15, 2007 Report Share Posted July 15, 2007 FCRA 623b is your best friend. If you disputed and they failed to:- conduct an investigation - review the info provided by CRA- report back to the CRA- report to the other CRAs if they find any incomplete inaccurate info- delete, modify or block inaccurate info- complete the investigation within 30 days... you get the idea.Under FCRA you have no private right of action for them providing false info whether willful or negligent, but you have to attack them for not following each and every step outlined in 623b and it will most likely be a willful non-compliance. Link to comment Share on other sites More sharing options...
beeboah Posted July 15, 2007 Author Report Share Posted July 15, 2007 thanks for this! Link to comment Share on other sites More sharing options...
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