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You wouldn’t sue for libel … you’d sue under the Fair Credit Reporting Act (FCRA), which states in part:
§ 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
(a) In general. Any person who willfully fails to comply with any requirement imposed
under this title with respect to any consumer is liable to that consumer in an amount
equal to the sum of
any actual damages sustained by the consumer as a result of the failure or
damages of not less than $100 and not more than $1,000; or
in the case of liability of a natural person for obtaining a consumer report
under false pretenses or knowingly without a permissible purpose, actual
damages sustained by the consumer as a result of the failure or $1,000,
whichever is greater;
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section, the
costs of the action together with reasonable attorney's fees as determined by the
(b) Civil liability for knowing noncompliance. Any person who obtains a consumer report
from a consumer reporting agency under false pretenses or knowingly without a
permissible purpose shall be liable to the consumer reporting agency for actual
damages sustained by the consumer reporting agency or $1,000, whichever is greater.
(c) Attorney's fees. Upon a finding by the court that an unsuccessful pleading, motion, or
other paper filed in connection with an action under this section was filed in bad faith
or for purposes of harassment, the court shall award to the prevailing party attorney's
fees reasonable in relation to the work expended in responding to the pleading,
motion, or other paper.
§ 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]
(a) In general. Any person who is negligent in failing to comply with any requirement
imposed under this title with respect to any consumer is liable to that consumer in an
amount equal to the sum of
(1) any actual damages sustained by the consumer as a result of the failure; and
(2) in the case of any successful action to enforce any liability under this section, the
(b) Attorney's fees. On a finding by the court that an unsuccessful pleading, motion, or
motion, or other paper
In sum, the above law allows you to win any actual damages, and if the incorrect entries were purposely put there, then you can win a penalty between $100-$1000. In addition, your attorney’s fees must be paid if you’re successful, and therefore, there is no reason not to retain an attorney to handle this for you. Therefore, I suggest you contact your local bar association for a referral.
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