I've looked all over and can't seem to find an answer for this. I have a CA for two violations on Ex. I just pulled Equifax and see they are committing the same infractions here. Can I sue for four violations @ $1000 each or only two since it's the same CA and violations (but different reports)? Hope that made sense. Thanks!
1) Depends on violations 2) depends on state or federal court 3) if state court, depends on your state laws governing CA's and CRA's 4) Sometimes depends on if judge thinks your case is frivolous...some judges will throw out a case if they think it is frivolous or even if there are merits to the case, but think you're sue happy. For example...person A does have violations, but makes no good-faith attempt to correct them or deal with them prior to filing suit. They lose because they cant prove intent or willful acts, etc. Then there's person B who does all they can to have the situation corrected but still can't...files suit and wins, proving even more willful violations right along with negligence and wins with ease. Granted there are some cut & dry violations, such as pp violations, etc., but best thing, in most circumstances is to wait and rack up enough of em to have a bartering tool for deletion or a open/shut case in court. Let em hang themselves...just give them the rope.
