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Law Educator, Esq.
Law Educator, Esq., Attorney
Category: Legal
Satisfied Customers: 88774
Experience:  JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
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Can you sue a company that provides false information to the

Customer Question

Can you sue a company that provides false information to the credit bureaus for monetiary damage.
Submitted: 3 years ago.
Category: Legal
Expert:  Law Educator, Esq. replied 3 years ago.
Yes, under the Fair Credit Reporting Act, you must give them written notice of the dispute supported by evidence that the report is false (with copies sent to the credit bureaus) and they have 30 days to make the correction and if they fail to do so then the FCRA allows you to sue for actual damages you can prove (or in the absence of actual damages you can sue for up to $1000 per violation) PLUS the Act provides for attorney's fees. If you have written the demand and submitted proof and they have failed to correct the matter, then you need a local consumer protection law attorney and they will file suit.


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Law Educator, Esq., Attorney
Category: Legal
Satisfied Customers: 88774
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
Law Educator, Esq. and 13 other Legal Specialists are ready to help you
Customer: replied 3 years ago.
Would if I don't know the orginal amount of the debt, and the lawyer will not provide the information on the account...
Expert:  Law Educator, Esq. replied 3 years ago.
This is different than reporting false information to credit bureaus. This is under the Fair Debt Collection Practices Act and they just provide an itemized accounting of the account showing the debt and if they fail to do so you can sue for up to $1000 per violation as well. You need to demand in writing that you want proof the account is yours plus an itemized statement showing the charges on that account as you are entitled to under the Fair Debt Collection Practices Act.
Customer: replied 3 years ago.
I already did, last year and I still have not heard from the lawyer that handles the account for account.. And I called the company and they did not try to send me the information on the account.. I have talked to the lawyers around here and there suggestion is declared bankruptcy
Expert:  Law Educator, Esq. replied 3 years ago.
Go to a consumer protection law attorney and pursue your claims for their violation of the Fair Debt Collection practices Act. You can find a consumer protection law attorney locally at the same sites used by other attorneys, http://www.martindale.com or http://www.findlaw.com.

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