For anyone intending to sue a CRA I have posted some great links to cases where the consumer won. I am printing these out and will be sending them with the pertinent information highlighted along with my settlement letters to the CRA's I'm suing. I'm asking for $2500 + deletions or we can go to court. http://www.ca5.uscourts.gov/opinions/pub/91/91-07142-cv0.htm http://vls.law.vill.edu/locator/3d/Dec1996/96a1470p.txt http://vls.law.vill.edu/locator/3d/Jun1997/97a1610p.txt I'm not scared of them anymore!!