I have been dealing with a particularly difficult OC over the last few months. The account has been paid in full but the OC continues to report it as 'Currently Past Due' and has continued to report since they sold the debt to a CA. This debt sale took place in February 2001. Since then the OC has placed a 'Collection -mm/yy' every month on their tradeline. Yes, the CA also had their own tradeline which has since been cloaked by EQ, expecting word this week from TU, and has never appeared on EX. Am I correct in believing that since the OC sold the account they had no legitimate purpose in reporting anything about it after it was sold? However, beyond that, the OC continues to report late payments each month even after it has been paid in full. The real quesiton in all of this is: Has anyone tried to file a lawsuit using each individual piece of incorrect/inaccurate information as an individual count of the FCRA? Since this OC has done this 3x (each CRA) I figure I can muster nearly 60 counts together with compensatory damages for denied credit. I'm not looking to sustain a 60 count action but I would love to have the sheriff serve them with a 50 page lawsuit seeking damages in the $70,000 range. I'm not looking to get any money from them at this point, a deletion would make me more than happy, but someone needs a wake-up call there before someone else with a little bit more money than me turns this into a class action and hits them really hard.
Well if a deletion is all your after sure you could go the lawsuit route or you could judt nutcase them which would be cheaper for you and might be just as effective. Personally I would start the nutcase series with them, put them through the rounds with that if it doesn't work go for the lawsuit.
