How to determine the $$$ for damages

[Begester]

I am in South Carolina. My mortgage servicer is located in Colorado.

I have had numerous and well documented issues with a mortgage servicer over the past 12 months including incorrect application of payments. After filing complaints with the mortgage owner (Freddie Mac) and the Consumer Financial Protection Bureau, the servicer has admitted their errors and is attempting to correct them. A few weeks ago, the mortgage servicer provided a 3rd party credit agency with my social security number and personal information to run a credit inquiry, which I did not authorize. The mortgage servicer has agreed to provide me with 12 months of free credit monitoring as a result of this error.

While I am fairly confident that the monetary issues with regard to the servicing will be resolved, I would like to pursue legal action as a result of the servicer providing my social security and personal information to an unauthorized third party.

I’m trying to better understand how to associate a value to the claim as I am looking at the court system as a potential avenue here. The servicer has agreed to provide free credit monitoring for illegally providing my info to an unauthorized third party, but I’d like to pursue a monetary settlement here as well.

Any insight?

 

[Zigner]

I am in South Carolina. My mortgage servicer is located in Colorado.

I have had numerous and well documented issues with a mortgage servicer over the past 12 months including incorrect application of payments. After filing complaints with the mortgage owner (Freddie Mac) and the Consumer Financial Protection Bureau, the servicer has admitted their errors and is attempting to correct them. A few weeks ago, the mortgage servicer provided a 3rd party credit agency with my social security number and personal information to run a credit inquiry, which I did not authorize. The mortgage servicer has agreed to provide me with 12 months of free credit monitoring as a result of this error.

While I am fairly confident that the monetary issues with regard to the servicing will be resolved, I would like to pursue legal action as a result of the servicer providing my social security and personal information to an unauthorized third party.

I’m trying to better understand how to associate a value to the claim as I am looking at the court system as a potential avenue here. The servicer has agreed to provide free credit monitoring for illegally providing my info to an unauthorized third party, but I’d like to pursue a monetary settlement here as well.

Any insight?

Yes, you have no damages. Take the monitoring.

 

[adjusterjack]

A few weeks ago, the mortgage servicer provided a 3rd party credit agency with my social security number and personal information to run a credit inquiry, which I did not authorize.

Sorry, but that's legal under the FCRA.

Not only don't you have any monetary damages to sue for you have no cause of action under the FCRA.

See Section 604 of the FCRA:

https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf