One of the requirements for small claims here in CA is that a person who sues in small claims court must first make a demand if possible. I am writing a letter tonight telling Experian I have four documented violation of the FCRA. Penalties are $4,000. This is a demand for payment as required to move forward with my suit in a court of law. Basically I am going to make the demand for payment. I am going to let them know that this is to satisfy the requirement to sue and get before a judge. I am not going to give them any information other than what I wrote above. I am going to give them 10 days to respond. I was thinking of waiting until I receive a response from them but the requirment as I read it does not say you must be turned down, just that you made a demand. I'm going to file the suit within 2 days. After I get the court date I will attatch an offer to settle as has been posted here in exchange for dropping the suit. But, I really want to take this before the Judge anyway so if they don't settle so well. I am still hoping they do settle. Anyone with experience see anything wrong here?