however, Credit reporting law is relatively unknown and at the small claims level you better bring in the FCRA law and point out the specific violations backed up with your proof of mailing and any written responses they have provided you with.

Do not discuss anything on the phone with the CRA, do it all in writting so you have evidence.

1) The more you try to sue them for, the more aggressive they will fight back. They will send their 1st line attorneys into battle to defend themselves, and unless you have an equal attorney on your side you will lose.

2) You are limited to the amount you can win in small claims court. If you want to go for their throat, you need to go to the next higher court in your jurisdiction, and get a jury trial.

3) Most of the money you win would be in damages, so you need to show the court how their incorrect information damaged you. This is generally in the loss of a loan, employment, or higher interest rates.

4) As Spiff says..the FCRA limits you to $1000 in civil damages, but when it gets into “willfull neglect” you could get more.

Bottom line, if you are planning to “go for their throat” you will need to hire a good civil attorney that specializes in FDCA lawsuits. There are a number of them around the country that will take on such cases on a contingency basis. You pay the initial court costs, they handle your case and take a percentage of what they get.

Good luck….