Heres the situation. I Sent Request for verification from the CRAs. Came back verified.. I Sent DV letter to OC. They sent proof somewhat... Account has been past SOl since 2004..My state is 4yrs. . Account was a CO. but they have continued to charge Interest..CRAP1 is OC. I have all my CRs for the last 6 months and have noticed that they have not listed or noted that (Consumer Disputes account)on TU & Exp. And have alternately stated it on Eq.. I know that its a FCRA violation..My question is this, Is it per CR since there are 3 CRAs?? If so and Since its at least 1000 fine for one violation,and The alledged amount they claim is owed is way less than a possible 3K in fines..Would it be wise to use the Violation amounts to try and get them to remove the TL without taking them to court or Just file in court and take my chances that a judge would fine them...My thinking is that it would Offset their claim of whats owed and possibly putting the $$in my pocket. Any ideas would be helpful. frioguy
