TU called my bluff in the settlement negotiations in my suit with them (see http://www.artofcredit.com/phpBB2/viewtopic.php?t=6467 ). The attorney for TU dared me to transfer the case to a higher court. OK, I will. How's Federal and I have a lawyer to take it on. I am looking for consumers who have sent documentation to TU concerning errors in their credit file that TU has ignored. Looking for Class Action status on this one. E-mail Flyingifr@yahoo.com (Steve Katz)