Can I sue? LONG

I have been dealing with a company that purchased a charged off credit card last year. In July I sent them a validation request, which they of course ignored. However, they did mark the trade line on my Trans-Union report as disputed, but failed to do so on my Experian report. In August I sent another letter requesting validation along with the original letter, and I also disputed this account with Trans-Union, and Experian. Both of which were verified as correct.
In mid October, I sent Experian all of my validation requests, along with copies of the green card, etc. They told me that there was nothing they could do because the company was reporting back to them that the info was correct. I am assuming that Experian sent copies of all the info I sent them to the CA because I FINALLY received a response from them yesterday.
In this response, they included a summary of the account information, and statements that cover 7 months of activity. I am satisfied with this as â??Validationâ?, but there are several inaccuracies in their statements. They claim that the last posted payment was in, November 2002 (fictitious dates), but the account was charged off in September 2002. Also, according to the statements they provided me, the last payment was posted 6 months prior to charge off. Here is a list of items I would like to sue them over:

Federal:
· Continued to validate information with the both Trans-Union and Experian without responding to my validation request.
· Failure to mark account as disputed with Experian.
· Credit card account listed as â??Installment Loanâ?, not â??Revolvingâ?.
· Stated last payment was placed 2 months after the account was charged of when in fact they supplied me with documents that show the last payment was made 6 moths prior to being charged off.

State:
· Failure to remove disputed accounts from my credit files after 30 days without validation.
· Failure to notify me the within 30days of my initial request what the outcome of their investigation was.
· Failure to submit a corrected copy of my credit report to all persons who previously received a copy that contained the disputed information. (This is required by law, I donâ??t have to request it)

Also, I currently have a request submitted with the Secretary of State to find out whether not they are bonded with the state or not. Can I sue them for the same violations, just under different statutes? For example, can I sue for both federal and state violations for failure to mark the account as disputed?
They have finally validated the debt as mine, but it took them 4 moths to do so. In that 4-month time frame, they violated MANY of my rights. I can still sue them for the violations even though they validated right? I have monthly copies of my credit reports that go back to August, and show the accounts listed as I mentioned above. Any information or guidance provided will be greatly appreciated.

 

I forgot to mention, the letter they sent states in bold type "XXXXX is not a collection agency" in their initial contact letter they stated that they had purchased the debt and that "XXXXX is your new creditor". They might not consider themselves as a collection agency, but they are Third Party Debt Collectors. I also failed to mention that my state allows criminal prosecution for violation of the Finance Code. Would it be a good idea to threaten criminal charges as well as a lawsuit?

 

I just found out that this particular company is not a registered LLC in my state and they are operating illegally by trying to collect his debt from me. Any suggestions on how I should handle this?

 

Thatâ??s the problem. I have exhausted all possible disputes with Experian. I even went so far as to send Experian copies of all my validation/demand letters. They simply forwarded them to the CA, and in order to save face with Experian, they finally responded. I am honestly pissed at these guys. Its not about money, it's about their total disregard for my/our rights. They validated with Experian and Transunion several times even though they had not responded to my requests for validation. The summary they sent with the copies of the billing statements do not match up. It's almost as if they pulled most of this out of their A$$. I think I will draft and intent to sue letter for multiple state and federal violations, and let them know that I intend to report them to the Attorney General, State Comptroller, and the Secretary of State, and I will only settle for full deletion of this account. As I said in a previous post, all LLCs are required to be registered in my state before any type of business is performed, and they are not.

One more thing, I have never denied this debt, yet I have not said it is mine either. The card was charged off and sold in 2001.

 

Has anyone else seen the report? Are you referring to a potential creditor? If so, then yes they have. I have been denied credit because of this account on 2 different occasions. Also, this has caused me a lot of mental anguish. Before I found this site, and others like it I believed all the lies that that the Collectors would say on the phone and that caused me a lot of mental and physical anxiety. Just about anyone who has dealt with collectors without being educated about your rights know how stressful it can be. So as far as damages are concerned, I have a lot of personal mental damages, and not really any monetary damages.