That's all I have gotten. I have continually asked for proof of such policy, etc. Nothing. Well it has been thirty days since my last letter letting them know of my intent to file suit for violation of the FCRA and defamation of credit. The limit on small claims in my state is $1500. I am not sure how to put an amount on my paperwork as my ultimate goal is to have the remove the negative marks from my credit and release the lien on my car. What kind of monetary value do I ask for and how do I justify it?