HELP w/EXPERIAN LAWSUIT!

Discussion in 'Credit Talk' started by uniondiva, Jan 14, 2003.

  1. uniondiva

    uniondiva Well-Known Member

    well, the ITS worked because they called and want to talk.... I want deletions and could use some cash... please help... I don't want to blow it!
     
  2. dixidriftr

    dixidriftr Well-Known Member

    I got one of those "We believe that we could best answer your questions on the phone. Please call us at the numeber listed on your personal credit report. When you call, please be sure to reference the report number printed at the top of the report." BS form letters from my ITS letter. IMO, I don't think calling them would do you any good, I am coming to the conclusion that the only thing that gets thru to those evil bastards is litigation.
     
  3. humblemarc

    humblemarc Well-Known Member

    uniondiva,

    could you give us a brief summary of what's going on? or maybe you could email me offline. ;-)
     
  4. LKH

    LKH Well-Known Member

    The experian affiliate here is the one that I sued. If you want, you can also email me and I'll help as I can.
     
  5. pnwman

    pnwman Well-Known Member

    Hi Uniondiva

    You mentioned in a previous post you won 3,000 against a CRA. I am confused I thought violations were limited to a maximum of 1,000. Were you able to prove damages? Thanks for any and all help.
     
  6. uniondiva

    uniondiva Well-Known Member

    basically, here is what has happened.

    I sued EXP last year for 3K and won a default judgement which they paid. They did not correct the entry on my credit report that was in error... i faxed the information to EXP and they did not update it or investigate it basically told me it was worthless..... i subsequently requested a reinvestigation and they refused to investigate....

    Now, I want my deletions and some more cash. In my small claims suit I sued for max 3K and still had to prove my damages which i did ( denied credit, and had letters to prove it)

    I have damages this time also

    I am to call the legal dept at EXP back.
     
  7. pnwman

    pnwman Well-Known Member

    Hi Uniondiva

    Thanks for the response. It is helpful. I guess I need to find away to sue for more than 1,000. Sueing for 3k or 4k and then settling for less makes a lot of sense to me at least. Thanks for any and all help.
     
  8. mainframe

    mainframe Well-Known Member

    As I understand it:

    When suing for FDCPA violations, the maximum award can only be $1,000.00 in each action/lawsuit. This means that if the part in question violates the FDCPA 10 times, you can only be awarded $1k in the lawsuit.

    When suing for FCRA violations, it is up to $1k per violation. So if the party in questions violates the FCRA seven times, you can potentially sue for $7k + damages (if you have any). That's $1k per violation.

    I think this is what you're asking, if not, I tried. :)
     
  9. uniondiva

    uniondiva Well-Known Member

    bump
     
  10. uniondiva

    uniondiva Well-Known Member

    bumping again, hoping someone is around who has actually negotiated with eXP and gotten deletions !!
     

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