What is the name of your state? OH
A credit bureau who is headquartered outside of Ohio has violated federal consumer protection laws as well as state law. Strictly speaking, it seems Ohio only has jurisdiction when an incident or damage occurs in Ohio, or if the contract is written in Ohio. I have no contract with the credit bureau (they collect data on me without direct consent). The matter involves erroneous data on the report (they refuse to correct it) and they disclosed the file to an unauthorized recipient.
So the question is: must I sue in the state of the defendant's headquarters, or can I file a small claim in my local court in this case?
In case it's relevant, apart from the federal laws broken one of the credit bureau's legal breaches is an Ohio law. However, the Ohio law is written for the attorney general to take action. The state law does not include a private right of action for the consumer. I don't care if the violation of state law can be part of the damages, but I wonder if the Ohio breach would make Ohio a "forum shopping" option.
A credit bureau who is headquartered outside of Ohio has violated federal consumer protection laws as well as state law. Strictly speaking, it seems Ohio only has jurisdiction when an incident or damage occurs in Ohio, or if the contract is written in Ohio. I have no contract with the credit bureau (they collect data on me without direct consent). The matter involves erroneous data on the report (they refuse to correct it) and they disclosed the file to an unauthorized recipient.
So the question is: must I sue in the state of the defendant's headquarters, or can I file a small claim in my local court in this case?
In case it's relevant, apart from the federal laws broken one of the credit bureau's legal breaches is an Ohio law. However, the Ohio law is written for the attorney general to take action. The state law does not include a private right of action for the consumer. I don't care if the violation of state law can be part of the damages, but I wonder if the Ohio breach would make Ohio a "forum shopping" option.