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I am filing a small claims suit against a collection agency because they are continuing to report (monthly) a debt as unpaid/past due/with $9999 balance 6 months after they were notified of the CH. 7 bankruptcy discharge for this debt. I disputed the debt with Experian and the collection agency responded stating that the debt is valid and being reported accurately. Therefore, this tradeline remained unchanged.
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I need some advice on how to word my small claims complaint since they only give you about 2 inches of space to write it.
Here is what I was thinking of writing for the complaint:
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Defendant violated bankruptcy discharge order by continuing to report a debt as past due with a balance of $9999 after the debt was discharged on 05/02. Experian contacted defendant on 10/02 for validation purposes and they refused to provide the correct information to update my credit report properly. Therefore, defendant furnished inaccurate information to Experian. Per the FCRA, defendant is prohibited from reporting information to a CRA with actual knowledge of errors. Defendant willfully failed to comply with the FCRA. Defendant has negatively affected my credit worthiness by reporting an inaccurate delinquent outstanding balance.
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Does this look like a good complaint for small claims? Also, I am seeking $1,000 + Court Cost's. Is this too much or too little?
Do I have a good case here? Or, is this not enough of a violation/damages to win in court?
FYI: The collection agency is called "The Bureaus" in IL. They responded to a possible legal action letter I sent them asking for deletion of the trade line or $1,000 for FCRA violations. I received their letter yesterday and all they offered to do is immediately update my credit report with the correct info. However, I still want to sue them for FCRA violations from the past 6 months that they were reporting inaccurately. Is it still possible to sue under these circumstances since they are now agreeing to fix the problem?
Thanks in advance for any advice on this!!!!!!!!!!!!!
Christine....Great Site!!!
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I need some advice on how to word my small claims complaint since they only give you about 2 inches of space to write it.
Here is what I was thinking of writing for the complaint:
***************************************************
Defendant violated bankruptcy discharge order by continuing to report a debt as past due with a balance of $9999 after the debt was discharged on 05/02. Experian contacted defendant on 10/02 for validation purposes and they refused to provide the correct information to update my credit report properly. Therefore, defendant furnished inaccurate information to Experian. Per the FCRA, defendant is prohibited from reporting information to a CRA with actual knowledge of errors. Defendant willfully failed to comply with the FCRA. Defendant has negatively affected my credit worthiness by reporting an inaccurate delinquent outstanding balance.
***************************************************
Does this look like a good complaint for small claims? Also, I am seeking $1,000 + Court Cost's. Is this too much or too little?
Do I have a good case here? Or, is this not enough of a violation/damages to win in court?
FYI: The collection agency is called "The Bureaus" in IL. They responded to a possible legal action letter I sent them asking for deletion of the trade line or $1,000 for FCRA violations. I received their letter yesterday and all they offered to do is immediately update my credit report with the correct info. However, I still want to sue them for FCRA violations from the past 6 months that they were reporting inaccurately. Is it still possible to sue under these circumstances since they are now agreeing to fix the problem?
Thanks in advance for any advice on this!!!!!!!!!!!!!
Christine....Great Site!!!