statute of limitations on a violation?

[Focus2069]

what is the statute of limitations to file suit on a violation?

FCRA: 1681b©(3) (Coding a collection inquiry as a hard)

specifically this one.

[Amerikaner83]

Two years, I do believe...

here we go:

§ 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p]

An action to enforce any liability created under this title may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of--

(1) 2 years after the date of discovery by the plaintiff of the violation that is the basis for such liability; or

(2) 5 years after the date on which the violation that is the basis for such liability occurs.

[Focus2069]

Two years, I do believe...

here we go:

violaion happened 4/16/2006

i just found out about it.....should i let it slide? or pursue it?

[Amerikaner83]

2 years form "date discovered"....

but if it was a hard inquiry, it should be off as it's been 2 years anyhow

[Focus2069]

2 years form "date discovered"....

but if it was a hard inquiry, it should be off as it's been 2 years anyhow

it is off...but they are still scum sucking bottom feeders......debating on pursuing it ....

[Amerikaner83]

let it go.