I've never done this lawsuit thing

But I'm finally fed up enough with Macy's that I've downloaded the forms from the courthouse to file a small claims suit. I've got all the sections and cites figured out; at least I think I do.

Where I get lost is this: Who the heck do I actually sue? I mean specifically. The courthouse wants a name. The CEO in Cincinnati? Someone in the Legal Compliance Department in Phoenix?

 

They put an unauthorized inquiry on my EX CR last in January. I disputed, they verified. I called and asked nicely, they told me basically to suck eggs. I sent them a formal notice of dispute, they never noted it on my credit report.

So, by my count, I have them on six seperate violations of the FCRA. They have 1) placed an unauthorized "hard" inquiry onmy CR's (no permissible purpose), 2) verified that inquiry when disputed through the CRA, 3 &4) received formal notice of dispute (twice) and both time failed to note on my CR that the item is in dispute, 5 &6) Twice failed to correct the item when they had the chance and were requested to do so.

When I called them last, I would have gladly traded this whole thing for a delete of the inquiry and an additional delete of a six year old Macy's paid charge off which shows up on my TU report. It's old enough that it's not killing my score, but it's not helping it either, so as I said, I would have traded in a heartbeat. Again I was told to suck eggs.

Now I want money. Five grand to be exact. That's the max in the small claims court here.

Thanks for all the great ideas and contacts. Wish I'd found out those names a month ago. At this point, though, the heqq with them. I'm sueing.

 

Thanks keepmine. I never cease to be amazed at the power of this board. Two minutes after seeing your post, I have the info from the California Secretary of State's website. Amazing!

Do I list them (Macy's and the Agent for Service) as co-defendants?

 

Thanks again, keepmine! I'll be heading to the courthouse today to file. I figure I might as well take full advantage of the free time I have this week, as I'm starting in my new gig come Monday. I've sure gotten a lot of yard work done since I got laid off.

 

Thanks for all the help.

There will be a one day delay in filing due to a sudden and unexpected trip to Disneyland for the rest of the day and into the night.

Byyyyyeeee.

 

Well, it's done. I filed. I have a date with destiny. It is October 4th.

What sort of reaction do you think I should expect out of Macy's? Written (I get the charming little unsigned form "We're working on it" letters every week or two), a phone call, a countersuit; what? Any ideas?

Thanks to all of you for the help and encouragement. Sure does make it easier.

 

Good idea. I'll run a search. I know I've seen a bunch of those type letters posted. I think I'm going to raise the stakes to $2500, though, just to see what happens. Thing is, this isn't all that critical to me. Sure, the paid c/o is hurting my TU score a little, but at six years old, only a little. And it falls off in ten months anyway. The inquiry- same deal; hurts, but only a little. And I've got all the documentation I need to win this. So, I figure, what the hell, let's try to get a little money for my trouble.

 

OK, I tried every search I could think of and could not find any appropriate letters. Anybody have a link or a letter they can paste here?

Thanks!