red1gtrubodsm Posted January 4, 2008 Report Share Posted January 4, 2008 I have a 6 year old collection with Portfolio recovery. This account is "paid in full" as of a few months ago. When they "updated" my CR, they put "Paid settlement" and "legally paid in full for less than full balance". I have documented proof and my bank statement printed out showing I paid 100% of the collection amount. I have disputed this 2 times now and both came back "verified". I want to sue them for violations for validating false information. I have a statement on their letterhead stating the date and amount paid to them and that it is 100% satisfied. I live in WA. How much can I sue for? 1 violation for inaccurate posting to CR, 2 violations for each time they "verified"? total of 3? plus defamation of carractor for decreased credit score due to inaccurate info posted to CR causing drop of score? This item drops off my CR in 6 months, but I want to get them before it drops. I have printed out proof from EX showing when and each time they "verified" my disputes. Let me know if you need more info. I hope someone can help me Link to comment Share on other sites More sharing options...
Moneedshelp Posted January 4, 2008 Report Share Posted January 4, 2008 was the collection amount the full amount of the debt? Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted January 4, 2008 Author Report Share Posted January 4, 2008 Yes. the colletion was 100% of the debt. They only reported this way to EX. both EQ and TU say "paid collection" Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted January 4, 2008 Author Report Share Posted January 4, 2008 Also, the CA sent me proof that 100% of the debt has been paid and the account is satisfied. they show the amount on my CR that was originally owed and it matches to my payment made to them. all the debt has been paid Link to comment Share on other sites More sharing options...
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