What is the name of your state (only U.S. law)? Ohio
They report only negative bank history to banks. On my report with them, they were reporting bank inquiries on new account applications I made 6-7 times on 1 bank. It took numerous requests and calls to remove them and continues to happen. As a result I was denied bank accounts. I'm suing them for $2600 which includes violations of the Fair credit reporting act, loss of income and court fees. I didn't think along the way I was going to end up in court so I didn't keep good records - I do have 2 letters where I asked them to remove errors. All of the forums said that Chex Systems always responds to suits by cleaning the reports to avoid court. They are in Minnesota and in my case, they hired a local big law firm to fight me and the law firm just asked for a 60 day continuance to prepare to fight me. My first thoughts are that I could present a good oral argument but my paper proof is weak and I would lose esp. going up against a lawyer with all the docs. he needs from Chex Systems. They might even counter sue for legal fees. I thought I could make a dismissal offer for a clean record and $600to cover loss of income and court fees. I'm concerned on that option that he could use it against me in court and also tip my hand that I don't have a strong case - I have to get that report cleaned because it could cost me a lot of money in the future. What would your startegy be? Thanks!
They report only negative bank history to banks. On my report with them, they were reporting bank inquiries on new account applications I made 6-7 times on 1 bank. It took numerous requests and calls to remove them and continues to happen. As a result I was denied bank accounts. I'm suing them for $2600 which includes violations of the Fair credit reporting act, loss of income and court fees. I didn't think along the way I was going to end up in court so I didn't keep good records - I do have 2 letters where I asked them to remove errors. All of the forums said that Chex Systems always responds to suits by cleaning the reports to avoid court. They are in Minnesota and in my case, they hired a local big law firm to fight me and the law firm just asked for a 60 day continuance to prepare to fight me. My first thoughts are that I could present a good oral argument but my paper proof is weak and I would lose esp. going up against a lawyer with all the docs. he needs from Chex Systems. They might even counter sue for legal fees. I thought I could make a dismissal offer for a clean record and $600to cover loss of income and court fees. I'm concerned on that option that he could use it against me in court and also tip my hand that I don't have a strong case - I have to get that report cleaned because it could cost me a lot of money in the future. What would your startegy be? Thanks!