Ready to play with the big boys...

[Ready To Fight]

Just want to post so I have this straight before I set things in motion. I'm in California before I forget.

 So a particular credit union has been reporting a small debt to all the CRAs (literally less than $600). I have been fighting them and the CRAs for years, to no avail. They have even made it worse by falsely reporting that I have been making payments.

There are multiple inaccuracies from one CRA to the next. From the Date Opened date to the High Credit Limit amount, to the Last Reported Date, to the Date Last active, etc. They are also reporting it as a Charge off to EXP, but as OK to EQ (and have for 2 years). It's a charge off, but they are reporting it as my being late on paying every month as if it's open.

This has been going on for over 2 years now. I was just denied credit due to the account and I have proof that one of the CRAs refused to investigate the account again after they did one of their famous 2 hour investigations.
 

How would you proceed in court? What violations would you each party sue for?

 

 

 

 

[Bulldoger]

I would check with a consumer attorney, They may be willing to sue on your behalf for the attorney fees they foresee getting at judgement. 

Most give free consultations.  

[Ready To Fight]

7 minutes ago, Bulldoger said:

I would check with a consumer attorney, They may be willing to sue on your behalf for the attorney fees they foresee getting at judgement. 

Most give free consultations.  

Thank you for the response.

 I just want to be sure I wasn't missing something else I can include in the suit before I start writing my pleading.

 

I have found one attorney who doesn't have garbage reviews and I have a call in to him. But I am prepared to do this myself.

[Bulldoger]

I was researching my case with Merrick Bank I just ran across this 

https://www.pacermonitor.com/public/case/37215558/BELLI_v_MERRICK_BANK_CORPORATION_et_al

there is a fee but it's a case where Miss bell sued the credit reporting agencies and Merrick bank and won.  

If you do it yourself may be worth the $50 bucks I don't know. You may also try to find similar case in California. 

I see they offer 14 day free trial so maybe find cali case like yours and then get 14 day free trial. 

 

 

[Ready To Fight]

1 hour ago, Bulldoger said:

I was researching my case with Merrick Bank I just ran across this 

https://www.pacermonitor.com/public/case/37215558/BELLI_v_MERRICK_BANK_CORPORATION_et_al

there is a fee but it's a case where Miss bell sued the credit reporting agencies and Merrick bank and won.  

If you do it yourself may be worth the $50 bucks I don't know. You may also try to find similar case in California. 

I see they offer 14 day free trial so maybe find cali case like yours and then get 14 day free trial. 

 

 

Thank you so much!

 

The attorney I found does a 55/45 split me/him. Does that sound right? How do the taxes work on that?

 

I am going to read the case you gave me and see if getting the paperwork done fast is worth me giving up 45%. I've settled or won every case I've done, so I don't know if that's worth it since I do have an outline on how to file the case. I also have literally 3 attorneys who live across from me and one I went to school with who are able to assist on a moment's notice (none of them specialize in FCRA cases, however).

 

 

[magali]

When I disputed a debt from LVNV that was from Credit One, I had several documents to prove my point. I think I posted 11. Credit One removed the debt quickly from my credit report when they realized I had everything, from phone calls to promotional emails.

Even LVNV managed to bother to send me a letter stating that they were "verifying" the debt. 

 

You need to show all the documents you can proving your point in order to dispute this. But I agree that your next option is to talk to a consumer attorney.

[Ready To Fight]

10 hours ago, magali said:

When I disputed a debt from LVNV that was from Credit One, I had several documents to prove my point. I think I posted 11. Credit One removed the debt quickly from my credit report when they realized I had everything, from phone calls to promotional emails.

Even LVNV managed to bother to send me a letter stating that they were "verifying" the debt. 

 

You need to show all the documents you can proving your point in order to dispute this. But I agree that your next option is to talk to a consumer attorney.

The CU hasn't even responded to me at all.  They are going to pay for the lies and inaccuracies. Its been going on for over 2 years. The CRAs, too.

I'm over it. Deleting is not enough now.

[alwayswinning36]

On 4/28/2022 at 8:57 PM, Ready To Fight said:

The attorney I found does a 55/45 split me/him. Does that sound right? How do the taxes work on that?

 

I would just ask the attorney why if attorneys fees are recoverable under the FCRA as I am sure they are for the potential violations you described, he is wanting to take 45% of the award for his fees. If I am not mistaken with your issue, it should be 100% of award to you, with the  attorney fees paid by the defendant of your case. This 55/45 is contingency. If it was a personal injury, or some other statute where attorney fees were not recoverable by statute it wouldn't be completely outrageous, but would still be a little on the steep side.