Your ability to sue a creditor for incorrect reporting is controlled by federal law called the Fair Credit Reporting Act and by any applicable state laws. I am posting a link to this law for you to review for yourself. Unless you are very familiar with the requirements set forth by law, it is unlikely that you would have fully complied with the required procedure to have a good chance of winning with a lawsuit. The other problem you may face is that "a huge headache" isn't specific enough to recover money damages from a creditors. If you can find a local consumer attorney to take your case, your prospects will be much improved. Hope this perspective helps!
I agree with my colleagues. You need to consult with a local consumer protection attorney, familiar with FCRA issues.
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