Re: Re: Re: Re: Re: Re: exp not honoring court papers IMHO, which is that of a non-lawyer, I think if you could convince the court that EXP ignores evidence as a matter of policy that would be willful. A CRA having a policy in force that is in direct violation of the law is willful, as the FCRA requires the CRA to consider the evidence. And if you could convince the court that they have a policy in force contrary to law, a law which was created for the protection of consumers, you might even have a chance at punitive. Of course having to prove it is the CRA's policy is another thing. I very much believe that this is EXP's policy on the issue of evidence, just ignore it. It's happened too many times to me and I have heard about it happening many times to others. Also, I tend to think if your evidence is so obvious that the average person would act on that evidence and you could convince the court of that, that might too get you willful. Again, I am not a lawyer, just my thoughts.