Who Can You Sue and What For?

WhoWhyPrecedent/LawFine
Creditors if they report your credit history inaccuratelyInjury to your credit report and credit scoreFCRA
Section 604
(A)(3)
$2500
Credit bureaus if they refuse to correct information after being provided proofDefamation, willful injuryFCRA
Section 623
CUSHMAN VS. TRANS UNION CORPORATION
US Court of Appeals for the Third Circuit
Court Case 115 F.3d 220
June 9, 1997, Filed
(D.C. No. 95-cv-01743).


Extent of damages incurred by the wronged party, as deemed by the courts
Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days.Consumer protection afforded by the FCRAFCRA
SECTION 611
Part (A)(5)(B)(ii)
$2500
Credit bureaus if they fail to respond to your written disputes within 30 days (a 15 day extension may be granted if they receive information from the creditor within the first 30 days)Consumer protection afforded by the FCRAFCRA
Section 611
Part (A)(1)
$2500
Creditors or collection agencies, and credit bureaus if they try and “Re-age” your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longerConsumer protection afforded by the FCRAFCRA
Section 605
(c) Running of the reporting period
$1000
Collection agencies if they do not validate your debt yet continue to pursue collection activity (file for judgments, call or write you)Consumer protection afforded by the FDCPAFDCPA
Section 809 (b),
FTC opinion letter Cass from LeFevre (See Appendix B).
$1000
Collection agencies if you have sent them a cease and desist letter and they still call youConsumer protection afforded by the FDCPAFDCPA
Section 805 (c)
$1000
Collection agencies if they have not validated your debt and they still continue to report to the credit bureausConsumer protection afforded by the FDCPASection 809 (b),
FTC opinion letter Cass from LeFevre (See Appendix B).
$1000
Collection agencies if they:
Cash a post-dated check before the date on the check
Cost you money by making you accept collect calls or COD mail
Take or threaten to take any personal property without a judgment
Consumer protection afforded by the FDCPAFDCPA
Section 808
$1000
Calls you after 8 PM at night or before 9 AMConsumer protection afforded by the FDCPAFDCPA
Section 805. (a)(1)
$1000
Calls you at your place of employment if the debt collector knows or has reason to know that your employer prohibits the consumer from receiving such communication.Consumer protection afforded by the FDCPAFDCPA
Section 805. (a)(3)
$1000
Calls any third part about your debt like friends, neighbors, relatives, etc. However they can contact your attorney, a consumer reporting agency, the creditor, the attorney of the creditor, or the attorney of the debt collector. Consumer protection afforded by the FDCPAFDCPA
Section 805. (b)
$1000
The collection agency can not use any kind of harassment or abuse**Consumer protection afforded by the FDCPAFDCPA
Section 806
$1000
Collector cannot claim to garnish your wages, seize property or have you arrested ***Consumer protection afforded by the FDCPAFDCPA
Section 807
$1000
Collector must you in a county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuitConsumer protection afforded by the FDCPAFDCPA
Section 811 (a) (2)
$1000
Also a good grounds for getting a judgment vacated
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