Am I able to sue a collection agency for both "failure to list an account as being in dispute" AND "continuing to list the account on my credit report during a validation period" or is it basically one or the other. I would assume, if it is listed already, they can either remove it or list it as disputed but are not required to first list it in dispute and then remove it. I see some "sue tables" listing both offenses as $1000 fines but I would not think you could persue both at the same time in small claims court. Also, is failure to do the same thing (report the account as in dispute) to the three credit bureaus a single violation or 3 violations?
I think that a more important thing to look at is how many total violations you have before you think about filing any law suits. There are few things that might be seen as being serious enough to stand on their own as being sufficiently meritious grounds upon which to sue. In order to have a crying chance in most cases a debtor would need at least 3 or 4 different kinds of violations in order to circumvent the defense of it's having been a one time error not likely to be repeated which is an almost sure fire defense allowed the collection agencies under FDCPA. To answer your question more specifically however, if they have put a listing against you then they must put on a disute notation and if they have not put a listing against you then they do not have to do so they way I understand it.
