I intend to sue TransUnion and Equifax for WILLFUL noncompliance in regards to inquiries. When writing a dollar figure, what should it be? If it's too high I'm sure they would fight me in court, but I don't want to go too low. I am filing these this week in small claims or general district court depending on the dollar figure. Small claims is up to $1,000, general district $1-3K, and circuit 3-15K. Also, does anyone have a sample settlement offer letter? I am also suing Medclr and Russell Agency (for real) and would like an estimated figure on these.
My suggestion would be for each defendant, figure out how many violations times $1,000. And for the ca we were discussing in the earlier thread, I would do the same except add in however much the slimeball is trying to collect from you.
Also, if a ca and a cra are being sued for violations over the same account, you could name them both defendants on the same lawsuit, but that might get complicated and lead to you having to get an atty. Just an idea.
A whopping $135. So I guess I could add that, the money for the filing and ignored letters, and then the damages?
Yep. any and all costs associated with the filing of the lawsuit. Do you work? How much in lost wages did you incur having to do this? Stick it to the sob's.
So really I could charge them an hourly rate for all the wasted time disputing with them, as if I have lost time working>
I would add it in. The worst that could happen would be it goes to a hearing and the judge doesn't allow it. But, don't go crazy with it because then it may look frivolous.
Well it would be $1K per inquiry for EQ, which is $38K plus court costs, fees, and lost wages, add $2K. $40K lawsuit. Is that out of line? Should I sue them for say 23 inquiries and $25K? With TU, it would be $13,000 for 11 inquiries, costs, and lost wages. With Medclr, it would be $3K. With Russell, it would be $3K. The credit bureau lawsuits will have to go to circuit because of the amounts, and the CA would be general district. How does all this sound? I am going to WILLFUL noncompliance, because TU and EQ have form letters that prove that. Russell and Medclr willfully sent collection notices and failed to validate properly. Besides, I was a minor under Medclr. Time to FIGHT FIGHT FIGHT! Hopefully no one will make me go to court, otherwise I'll have to get my lawyer to go. In these parts, judges do NOT listen to non represented people very well and treat them like they're on crack.
I have a feeling if there is 38 inquiries that they will consider that as 1 violation. I may be wrong. Let's see if Lizardking will show up and give some input.
