I read a lot about people suing the CRA, CA, etc. for violations of the FCRA and state laws. Is this really effective? I mean, if I catch one of them breaking a law and have the evidence, what is the likelihood that I will end up with $1000? Jim
The law provides for between $100-$1,000. NitWit small claims judges often levy the minimum plus court costs. They're in the systems hip pocket. The only $1,000 that is a done deal is the no PP inquiry. I got my check, and getting ready to go after another.
Can you explain the no PP inquiry? Or provide a link? I haven't read about that anywhere in the primer or FAQ or glossary that I recall.
no pp inquiry is when an inquiry is placed on your report by someone who has no permissable purpose to do so. Kirk
I have a post on this and no answers....my question. Can a CA put a hard on your report if you have no accounts with them. Is this a violation? I have had two do it in the past month. Since I disputed a couple of items. Thanks
Butch did you have to go to court or did the company send the funds after you sent letters? How long did it take you ot get evrything settled? Matt
Butch, Thanks for the response...one more question? Does this eefect them fron being able to collect on the debt or do I just nail them on the other violations that they made. Do you have a sample letter I could see for Non-PP Inquiry? If you don't want to post it let me know and I will give you my e-mail address... Thanks again.
I'm confused. Earlier you say you have no accounts with the CA's. Then you say they are trying to collect money. Did I miss something? 0
Zero's right Pibb. Either they have an account for you or they don't. Don't forget, collection inquiries are permitted. ???
Yes, I have sued the following (all have confidentiality agreements...I can't discuss how much I got...but the small claims works..) Bank of America -reporting a debt that was not mine Household Bank- reporting a debt that was previously removed, but later reinserted by Household Recovery Services Credit Acceptance Corporation- hard inq after debt in ch7 BK Merrick Bank- reporting a charge off of a Nextcard account that I don't recall opening, they could provide no proof of it being my account, I settled for $1750.00 plus a HIGH credit line on a new account with them, no confidentiality agreement. CompUSA- for violating the FCBA and not allowing me to dispute a charge. I sued TU, EXP, EQ (no $$$ but deletions, no confidentialty) GMAC-for failing to marka TL as "incl in bk7" instead..they would not update it..they had it listed as "charged off" there were a few more, but I can't remember as of now... the system works...especially in consumer friendly Maryland!!
Yup...it works...can't disclose how much, but I feel it was a significant amount in one case and "worth the time to file" amount from two other defendants. (I sued an OC, a CA and a CRA) L
Ok...maybe I have not been clear. THey did an inquiry, at the time of the inquiry I had no account with these collectors. Since they pulled the inquiry O have received notice for two new collections. The accounts resulted from the inquiry they pulled. Is that a violation. I was under the impression that they were not allowed to pull your report to "find" new accounts.
arobinson, I, too, am a consumer in Maryland. I'd like to know what your violations for EX were for. If you'd rather email me I'm at Lekia_Hall@hotmail.com. -LB
Butch, Can you clarify this. You mentioned that a collection inq. is permitted. But, you also said they can't put a hard inq if you don't have an account with them. What determines if you have an account with them? Purchased vs assigned?
If they have an account they are collecting on, I don't think it would matter if they had reported it on your credit report as yet...they would still have a permissable purpose (IMHO) to pull your credit report. L
This is true, there's an FTC opinion letter on this. They would then have to prove that they acquired the accounts prior to them pulling your report. "Trolling" for collection accounts is a violation of the FCRA.
