Credit Reporting Dispute Resolution

Summary

Under the Fair Credit Reporting Act (FCRA), you can sue credit reporting agencies and collection agencies for failing to correct inaccuracies after proper dispute procedures. Consider using 15 U.S.C. § 1681n for willful noncompliance and 15 U.S.C. § 1681o for negligence. Gather evidence of incorrect reporting and disputes, and file a complaint in a Virginia court. Consulting legal resources or a local attorney can provide guidance on court procedures.

Full Conversation

Yes and the agencies said they are reporting correctly but they aren’t and I know the agencies are responding back with a blanket response without doing a investigation
It sounds frustrating dealing with incorrect credit reporting. Here are some options you might consider:
- Under the Fair Credit Reporting Act (FCRA), you can sue for damages if the agencies fail to correct inaccuracies.
- Gather evidence of the incorrect reporting and your disputes with the agencies.
- Consult with a lawyer about filing a lawsuit.
Have you considered seeking legal advice from a local attorney?
Yes but I’d like to know how I can sue my self and what law are they violating
It seems like you're interested in pursuing legal action against the collection agency and credit reporting agencies for the incorrect information affecting your credit report. Under the Fair Credit Reporting Act (FCRA), you can sue them for failing to correct inaccuracies after proper dispute procedures. You cannot sue yourself, but you can pursue action against these entities.
If you'd like assistance connecting with local lawyers to help with this case, let me know, and I can guide you through that process.
I’d like to sue them myself
Case Rating: *
You can sue under the Fair Credit Reporting Act (FCRA) for failing to correct inaccuracies after disputes. Here are steps you can take:
- Gather all evidence of incorrect reporting and disputes.
- File a complaint in a Virginia court.
- Consider consulting legal resources for guidance on court procedures.
If you change your mind about seeking legal advice, let me know!
Can you provide legal references for this case
Case Rating: *
Here are some legal references related to your case under the Fair Credit Reporting Act (FCRA):
- * U.S.C. § 1681i: This section outlines the responsibilities of credit reporting agencies to investigate disputed information.
- * U.S.C. § 1681n: Provides the right to sue for damages if there is willful noncompliance with the FCRA.
- * U.S.C. § 1681o: Covers the right to sue for negligence under the FCRA.
You might want to look into these sections for detailed legal procedures and rights.
Which fcra code would be best to use
Case Rating: *
Given your situation, the best FCRA code to consider using would be:
- * U.S.C. § 1681n: If you believe there is willful noncompliance by the credit reporting agencies or collection agency.
- * U.S.C. § 1681o: If the negligence in correcting inaccuracies is affecting you.
Would you like more information on pursuing legal action under these codes?
Yes for the collection agency and credit bureau not doing their job
Case Rating: *
It sounds like you have a strong basis for legal action under the FCRA. To proceed, consider these sections:
- * U.S.C. § 1681n: Use this if you believe there's willful noncompliance.
- * U.S.C. § 1681o: Apply this for negligence affecting your credit report.
If you need more guidance, feel free to ask!