Is this a offense that can result in a lawsuit

It depends on the language of the contract and whether or not you authorized them to use the information you provided to them with or without...

Am I responsible for old debt that can't be verified?

Any debt can be disputed with the creditor directly, with any collection agency, and with the credit bureaus themselves. Be specific with your...

There is case law stating that the bureaus may be liable if they fail to have reasonable procedures in place to ensure maximum possible accuracy...

What is my next step if the collection agency doesn't review my recordings or denies the agreement still?

You may have potential claims for breach of oral contract against the data furnisher. However, another route is to dispute it with the credit...

There's nothing on her credit report showing that credit collection for that credit card for $3,000 my question is she never had

They can always sue, but you would have affirmative defenses to them pursuing a time-barred debt.

Credit Card Remarks

Your debt to credit ratio (what people have lent you versus what you owe people) is worth approx. 30% of your score in the scoring...

How will this negatively affect my credit score? Can it?

The correct answer to your question is: it depends. Your debt to credit ratio (what people have lent you versus what you owe people) is worth...

How long does a satisfied judgement stay on your credit report as a public record?

I disagree with the other answer on this question. The statute of limitations with regard to the length of time a judgment can be reported (which...

What can I do to have a collection notice removed from my credit? It should never have been placed on my credit to start with.

If you look in the right place, you'll find a credit repair attorney that works with a national credit repair organization who you can research and...

Credit Law suits

Often you'll have a state analogue to the federal statute. You might not want to make a federal case out of it, quite literally. Often you'll have...