When you sue a creditor and they settle, they usually wand a Non-Disclosure Agreement inserted into the Settlement. I usually oppose these NDA's - for the same reason Collectors use as opposing PFD's - that by not creating a public record or publicizing the facts behind the suit you are depriving future consumers suing over the same issue the ability to show that the creditor's violation is a corporate policy and not an isolated incident. BUT... if the PFD is what you want, then by all means sue them, and when they insert the NDA clause into the settlement agreement you simply insert a phrase making the NDA applicable to CRA's as well. With that clause they are prohibited from even responding to a CRA in the face of a FCRA dispute filed with the CRA. With the NDA in hand you can now dispute the TL and if they verify the TL you can sue them again - this time for Breach of Contract.
