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There are two general ways to go about getting recourse for this. One is to file an administrative complaint with either the Minn. Attorney General office or the Federal Trade Commission. Here are the links for those two agencies to file a complaint. http://www.ag.state.mn.us/Consumer/Complaint.asp https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en
The other option is to file a lawsuit in federal court under the Fair Credit Reporting Act. You will need to show that you demanded the incorrect information be removed and the agency failed to remove it within 30 days. You will also need to be able to prove specific damages in relation to not qualifying for credit, e.g., higher interest, not qualifying for a loan.
Let me know if you have follow up questions or concerns. I'm happy to answer.
Isn't this a civil court matter?
Can I sue them civilly? I really just want them to dump out the files. I've got signatures for the certified mail I sent them and their responses were really late and came standard mail. Isn't this procedural error? As in, can't I pay the filing fees to make them appear and then they will show up and agree to dump the files if I drop it?
I can't even get a Target credit card, it's frustrating and I'm trying to prequalify for a first home.
I'm going to switch this chat to Q& A mode because I'm experiencing problems with the chat feature
SO, what's the verdict?