roll call for anyone that sued a CB

Re: A roll call for ANYONE that has

I am in the process of (maybe) suing Experian and Equifax. I sent them one last letter, and if my derogs aren't removed, I'm taking them to court and I've warned them of this.

I found 2 items in the FCRA law that they've broken and they're gonna either delete or pay!

 

Re: A roll call for ANYONE that has sued a credit bureau.

LIZARDKING and some others.

Sometimes they have a "GAG" order...(NON DISCLOSURE)...they can't talk.

 

Re: A roll call for ANYONE that has sued a credit bureau.

1) Did the CB in question clean your report in exchange for dropping the lawsuit?

answer not available at this time, suit will be filed mid march.... just sent intent to sue letter
2) Did you serve a local affiliate or corporate, and why.
there is no local affiliate in my area. I will be sueing corporate office, via registered agent in my state

3) Did you include a settlement offer with your serving papers, or did you mail them seperately?
I will be mailing settlement offer seperately, as court instructions.
4) If you served the CB corporate office, how did you list the defendant on the small claims complaint form. Did you put

CB corporation name (ie transunion, LLC)
c/o registered agent - name of agent
address of agent
city, state and zip of agent.

yes, my papers look like that.



I hope this helps but I hope even more that the cra's settle and folks here do not have to go to this extreme.

 

Re: A roll call for ANYONE that has sued a credit bureau.

TALKING ON A BB IS "TALKING"...

 

Re: A roll call for ANYONE that has sued a credit bureau.

I had my lawsuit served by certified mail to the authorized agent along with the settlement offer. The idiot authorized agent never forwarded the settlement offer and their atty didn't even know about it until I told him. After that, it was pretty smooth sailing. They tried all kinds of tricks like bumping it to US District court and asking for interogatories etc. until they saw the settlement offer. Then we negotiated a bit and settled.

 

Re: A roll call for ANYONE that has

Ok, here's my info. I successfully filed small claims suits against all 3 CRAs.

1) Did the CB in question clean your report in exchange for dropping the lawsuit?
Equifax was very generous and did whatever I asked. Trans Union was tougher to negotiate with, but I finally prevailed; they left two negs on there, but those were two which I knew were coming off anyway and had said so in my conversation with them. Now, both my Equifax and Trans Union are completely clear of negatives. I did not ask for money during negotiations but instead settled only for tradeline deletions which was my goal. (Equifax score is now 744, and TU is 878.) I signed a confidentiality agreement with Experian where I promised not to discuss the settlement. (I am willing to mention my current Experian score which is now 732.)

2) Did you serve a local affiliate or corporate, and why.
I have a local Equifax affiliate, but I made a deliberate decision not to sue them, and I'm glad I did. Our local affiliate is staffed with jerks. I had a feeling that if I sued the local yokels, they would be more willing to actually have their retained law firm show up in court, and I frankly didn't want to deal with their bad attitudes. Instead I sued Equifax at their Atlanta headquarters. When I spoke with the Equifax national defense counsel, I was gratified to hear a relatively good attitude from someone who deals with these lawsuits several times a day apparently. Unlike our local affiliate yokels, lawsuits are old hat for the national guys. We have no local affiliates for other CRAs here, so of course I sued those directly at their respective national offices.

3) Did you include a settlement offer with your serving papers, or did you mail them seperately?
I wrote a lengthy letter of explanation and settlement offer and had that served by a private process server along with the general sessions (small claims) summons.

4) If you served the CB corporate office, how did you list the defendant on the small claims complaint form. Did you put
CB corporation name (ie transunion, LLC)
c/o registered agent - name of agent
address of agent
city, state and zip of agent.
No, I did not serve a registered agent in this state or anywhere. I simply sued the corporations directly (i.e., Equifax, Inc., 5505 Peachtree Dunwoody Rd, Atlanta GA 30374-0241). My small claims court does not require that I list the defendant's in-state address or a human being's name; rather, in my state, a "person" legally includes both private individuals as well as companies and organizations. It's my understanding that some states do have different requirements, so I always advise that people check with their local court clerks to find out.

I hope this helps.

Doc

 

Re: A roll call for ANYONE that has

Really important.... please check with your court clerk for specifics around service and complaint. the requirements very widely, and although the advice on creditnet is great.... i would have had to refile my lawsuit if i had not conducted the research regarding my county small claims court

 

Re: A roll call for ANYONE that has

Damn, I'm impressed. I have sued 2 and got deletions plus extras.....my scores don't even compare

 

Re: A roll call for ANYONE that has

Mine was listed like this:

Credit Bureau Inc.
bsu(by service upon) authorized agent
street address
city, state zip

I sued the local Experian affiliate, so any phone #'s I have would do you no good.

 

Re: A roll call for ANYONE that has

Hey Christi I just wrote a commentary about the credit scores in the "takin' a break" thread you started. It's the "P.S." at the bottom of my novel. I thought I'd point you there from here in case you read this but not that. Bottom line: your scores are poised to rise incredibly during the next 12 months.

Doc

 

Re: A roll call for ANYONE that has

The address I listed was the address for the authorized agent. No need to put any address other than where it is being served.