A client disputed several accounts with Experian. It refused to investigate a Household 2nd mortgage and a Chase account with a balance that it had forgiven (1099) because Experian previously investigated the accounts in 2011. My client had included the Chase 1099 with the dispute. Trans Union promptly changed the balance to $0 after it received the dispute. However, Chase also verified completely BOGUS late payments for this account, charged off in 2007.
I had contacted Chase about the lates on the Equifax myFICO last year and they refused to correct! The account was charged off in 2007.
Recently my client was DECLINED when he applied for a mortgage because his FICO scores are too low.
So now it’s time to sue Experian, Chase and possibly CSC. Of course I’m helping my client since he doesn’t have an attorney and it’s fairly easy to sue in his small claims court. I’m not even charging my client for helping him with legal research such as finding the registered agent to serve the lawsuit and summons and I won’t prepare the documents for him. But I decided to post the complaint as I would file it at the CreditFactors member forum and if he wishes to copy the complaint, he can do so — I’m not practicing law, but I post what I would do.
If he doesn’t get fast results with the small claims suit, he’ll retain an attorney.
UPDATE 7/8/13: I just posted the details about the Chase ordeal and the lawsuit: