I know the information is here somewhere but I have not been able to find it. I want to file a lawsuit against an OC that is reporting something twice on my credit report. I have disputed and disputed and disputed, sent letter and letters and more letters. They verify both accounts every time. The only thing that changes is the date. I know I have them on several violations, just want to know who do I name in the lawsuit? I will be filing in small claims court.
Depends on who violated...the OC or the CRA. You need to find out by sending a procedural request letter to the CRA for the disputes. That will tell you who they contacted, how (phone,mail,fax etc) and when. That way you have proof that the OC has been verifying incorrect listings...if you get no answer to the procedural request, then the CRA has violated by ignoring to request verification from your disputes. Once you know who you are naming in the suit, the rest is easy. Good Luck -Peace, Dave
