I have done all I can. I have sent off the return-receipt letters. I have disputed since April. My mortgage rate went up 2% because of my Equifax score being 70 points lower than the other two. I believe I have made a clear path of attempts to correct this problem. Now it is time to sue. Not only are they continuing to report me as 90 days late in April (which is false) they now continue to report an account that has a balance of zero with over 16K. Please, I have read the previous posts but would appreciate any step by step instructions someone could provide me. Do I go to my local magistrate. After reading a previous thread by I believe Donna, I believe I can prove harm done to me due to Equfax exclusively. As I stated, my interest rate went up 2% costing me approx. $150 per month. Do I also name Ford Motor Credit in the suit. My only concern about proving damages is that my loan broker also screwed me and I am not sure how much he would want to help me out. Can I subpeana him. His direct statement to me was that my low Equifax score cost me my origninal loan. Mike G.