" I had far more success just filing my own small claims lawsuit in local county court for: 1) Violation of the Fair Credit Reporting Act 2) Defamation of Character 3) Negligent Enablement of Identity Fraud" Regarding #3, this is because the accounts weren't yours? Correct? I'm preparing a battleplan against the CRAs right now so I want to make sure I understand what your attack had in it. Also, in your damages did you include willfully causing you financial damage by purposefully decreasing your credit scores? Eg: I have several inqiries I just saw on my reports. They're from my current creditors for my current credit line increases (NOT applications for new credit). These inquiries should be soft, not hard. In the #8 FICO reason code it discusses inquiries reflecting applications for credit. account reviews are clearly different. and the CRAs have proprietary knowledge about how much/little these hard inquiries are affecting our scores. My Beacon is in the 630s or so, therefore the incorrect inquiries will affect me MORE because I have marginal credit. When the CRAs describe the inquiries as "fact" and remove to correct or delete them, they also willfully decreasing our scores thereby directly causing us financial harm via 1) decreased credit score 2) declined credit applications due to decreased score 3) higher costs of current score due to decreased score. This seems very willful, wanton, and negligent harms... which would set it up for punitive damages. Did you address any of this in your lawsuit? Seems to me several lawsuits regarding inquiries would make them change their policies on correcting inquiries. Also, their blatant policy on Not correcting inquiries seems to set them up for more exposure to lawsuits. THeir very clearly stated "refusal to correct" these seems to be even a better way to sue. They do this to EVERYBODY who even questions their inquiries, right. Class action material. Any thoughts? and did you include any of the inquiry harms in your lawsuits?