If you hire an attorney to file a lawsuit and the company correct the problem after 10 months of damages do you move foward :
3 attorney answers
Attorney Golden is on the money - get your case evaluated! Geography within CA matters little because these are mostly paper cases - no court.
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A mixed file can cause significant damage to a consumer's credit score. It sounds like you did dispute the inaccurate information. Since you have been dealing with this for 10 months I would recommend you consult with an attorney as you may have claims an attorney would pursue. If the credit bureau did not maintain reasonable procedures to avoid the mixed file you might have a claim. Or if they failed to conduct a reasonable investigation into your disputes you might also have a claim.
This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.
It sounds like you can prove that your creditors have in fact been reporting your payment history to Experian. If you strike out with calling them yourself, step 2 would be filing a complaint with the CFPB which has regulatory authority over the bureaus. This should get their attention. If this doesn't work, then you'll want to seek counsel about theories for litigation.