diggingout
Junior Member
What is the name of your state? Texas
Back in may of 2006, I filed a small claim against Equifax Information Services, LLC, ET AL for violation of my civil rights under 15 USC 1681i. Specifically for reinsertion of a trade line item that they had deleted from my credit report.
This item was deleted because of evidentiary documentation that I had provided them. We eventually settled out of court and the item was deleted again from my report because of the terms of the settlement.
Equifax claimed during my negotiations with them that they were only the providers of the info and that CSC Credit Services was the party responsible for maintaining the report. I bought this line from them, I believe mistakenly. See United States Court of Appeals for the Fifth Circuit Kenneth M. Morris, vs. Equifax Information Services. LLC, ET AL No. 05-20578.
I then contacted CSC Credit Services about the violation of 15 USC 1681i with my report and also addressed at that time some other inaccuracies with my report. They referred me directly to their outside counsel. Their outside counsel worked with me on my report to see that it was made accurate but dismissed my monetary damage claims out of hand. Also, after I formally requested money damages with a letter to their outside counsel, my report was taken to off-line status to where me and my banker could not access it. I have not brought legal action against CSC to date. Sometime in December of 2006 my report was once again available to view.
I am still considering legal action against CSC Credit Services and was going to sue them this month when my business slowed a little. However, this is where it gets complicated for me. In December 2006-January 2007 when I was able to access my report once again, there it was, the trade line that I disputed and sued Equifax for in the first place. I have already checked with the company listed in the trade line and they informed me that they were not the providers of the information for this item to be listed again. They also expressed to me that the account was closed.
My question is this, where do I go from here? I have not used an attorney to this point but I do believe that I have a very easy case to prove in court. I do want money damages as well. More than what I can recover in small claims court.
Back in may of 2006, I filed a small claim against Equifax Information Services, LLC, ET AL for violation of my civil rights under 15 USC 1681i. Specifically for reinsertion of a trade line item that they had deleted from my credit report.
This item was deleted because of evidentiary documentation that I had provided them. We eventually settled out of court and the item was deleted again from my report because of the terms of the settlement.
Equifax claimed during my negotiations with them that they were only the providers of the info and that CSC Credit Services was the party responsible for maintaining the report. I bought this line from them, I believe mistakenly. See United States Court of Appeals for the Fifth Circuit Kenneth M. Morris, vs. Equifax Information Services. LLC, ET AL No. 05-20578.
I then contacted CSC Credit Services about the violation of 15 USC 1681i with my report and also addressed at that time some other inaccuracies with my report. They referred me directly to their outside counsel. Their outside counsel worked with me on my report to see that it was made accurate but dismissed my monetary damage claims out of hand. Also, after I formally requested money damages with a letter to their outside counsel, my report was taken to off-line status to where me and my banker could not access it. I have not brought legal action against CSC to date. Sometime in December of 2006 my report was once again available to view.
I am still considering legal action against CSC Credit Services and was going to sue them this month when my business slowed a little. However, this is where it gets complicated for me. In December 2006-January 2007 when I was able to access my report once again, there it was, the trade line that I disputed and sued Equifax for in the first place. I have already checked with the company listed in the trade line and they informed me that they were not the providers of the information for this item to be listed again. They also expressed to me that the account was closed.
My question is this, where do I go from here? I have not used an attorney to this point but I do believe that I have a very easy case to prove in court. I do want money damages as well. More than what I can recover in small claims court.