We have said that it is difficult to sue your creditor but that does not mean that it is impossible. If they report your credit history to the credit bureau incorrectly or inaccurately, you can file a case for defamation and financial injury. You can also file a case against them if they do not report a debt you disputed to the credit bureaus as disputed. This is a violation of Section 623 of the Fair Credit Reporting Act (FCRA). If you find out that a creditor has pulled your credit file without permissible purpose, they are violating Section 604 (A) (3). You can also sue them for injuring your credit report and lowering your credit score.
You can collect $1,000 or more depending in punitive damages depending on the discretion of the courts in case you win your lawsuit.
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