Have you tried to contact the credit company & inform them that you deny this information? Otherwise, consult a local attorney - most will provide free consultations. Good luck
This is not intended to be legal advise or as legal representation. I am a California personal injury attorney . Be aware that every state has its own statute of limitations; and statutes & case laws that govern the handling of these matters.
You have some options. Give me and/or another attorney a call to discuss. I do handle these matters & can be reached @ (404) 303-8875. Best wishes & take care.
Sam Levine, Esq.
This is a serious issue, and one that has been affecting a lot of people. Yale has put out a great primer to help people like yourself understand what their rights are under the Fair Credit Reporting Act (FCRA), and I am linking to it below. It sounds like you have been diligent in trying to get them to do the right thing, and they still continue to ignore it (which companies often do because people like yourself get tired of fighting and eventually give up).
Good for you for not giving up, and I agree, it sounds like time to take legal action. Many of us here on Avvo handle these cases, and almost all of us will offer you a free consultation to help you assess your case. Give us a call and we can help you figure out the next steps - you won't get charged any fees until and unless your case is resolved favorably, so you have nothing to lose.
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You cannot sue for pain and suffering.
However, if you can document a paper trail where you properly notified the collector, the creditor and the credit bureaus in writing (hopefully you kept copies and did this by certified mail), you may have a significant claim for damages for violation of federal credit laws, and you should bring your evidence to a local attorney.
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I suggest you contact one of the attorneys who have responded to your question. It appears this will continue to haunt you until it is fixed. good luck.
As a general matter, you cannot recover pain and suffering damages unless you have suffered a physical injury. However, there is recourse for false credit reporting under the Fair Credit Reporting Act. I would suggest you contact a firm that specializes in this area to discuss your case. Best of luck to you.
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