Summary
If a debt collector falsely reports a delinquency on your credit report, you may have grounds to sue for damages under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA requires debt collectors to provide accurate information and validate debts upon request, while the FCRA protects against false reporting and allows individuals to dispute inaccuracies on credit reports. You can potentially sue for actual damages, attorney fees, and possibly punitive damages. Keep all records of your communications with the debt collector and credit agencies, as they could be helpful if you decide to pursue legal action. Consider consulting a consumer protection lawyer who specializes in FDCPA and FCRA cases for personalized advice.Full Conversation
Yes, the reporting agencies did nothing to help even when i called them and showed them that they were reporting incorrect data.
It sounds frustrating dealing with incorrect credit reporting. You might have a case under FDCPA and FCRA if you can prove the false reporting caused financial harm. Have you kept records of your communications with the debt collector and credit agencies? They could be helpful if you decide to pursue legal action.
I took me filing complaints with tHE FTC AND FCPB to get them to remove it. Like 4 months
It seems like you've made significant efforts to address the situation. Given that you had to file complaints with the FTC and CFPB, you might have a case for damages. Here are some key points to consider:
- The FDCPA requires debt collectors to validate debts and report accurately.
- The FCRA allows you to dispute inaccuracies and potentially sue for financial harm.
- Keep all records of your communications with the debt collector and agencies.
Would you like to be connected with local lawyers who can assist you further?
I reached out to a couple lawyers here they wouldnt help same with a couple in Dallas. They told me just to wait and see what results my complaints get. In the mean time my car insurance premiums went up i was trying to purchase a home and was turned down by multiple mortgage companies because of the delinquency showing * to 90 days, and the impact it had on my acctual score. I was at right of loosing my job because of my Secret Security Clearance, I have to go to my chain of command and have embarrassing conversations and self report the matter. My business was denied equipment loans, hell its been a few weeks and my credit score never jumped back up but it sure knocked it down
Case Rating: *
It seems like you've experienced significant financial and personal harm due to the false credit reporting. This could be a strong case for legal action under the FDCPA and FCRA.
Would you like to be connected to local lawyers who can better assist you with your case? If so, please provide:
- What is your phone number?
No thanks
Case Rating: *
It seems like you've faced considerable challenges due to the false reporting. You might have a strong case for damages under the FDCPA and FCRA. If you ever change your mind about seeking legal help, don't hesitate to reach out. Take care!
What kind of lawyer specializes in this kind of suit
Case Rating: *
You would likely need a consumer protection lawyer who specializes in cases involving the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These lawyers focus on issues related to credit reporting, debt collection, and consumer rights.
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