Since Fair Isaac isn't covered by the FCRA, the best I can come up with is defamation. Just did a search, apparently none of the cases posted here contain "defamation."

What's the SOL for defamation?

What do I write in my complaint? What code they violate?

And of course, any suggestions what else I could add to my complaint?

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I have come across an 8-page document called the Fair Credit Billing Act, Causes of Action.

It explains how there is generally no FCRA liability for a creditor, such as, who furnishes inaccurate or incomplete information to a reporting agency, unless the creditor is reporting the information to another agency based on information from a source other than the creditor's own experience with the consumer.

DEFENDANT (Creditor) MAY HAVE TORT LIABILITY.

DEFENDANT'S (Creditor's) NEGLIGENT ACTIONS

DEFENDANT'S (Creditor's) DEFAMATORY ACTIONS, etc.

The Header on the printed document says;
Fair Credit Reporting act FCRA / Fair debt memorandum

The website info is:

http://gareth.membrane.com/leflawnet/fcra.html


This should give you more fuel for the fire.

Let me know what you think.

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Great, I'll read that as soon as that site is back up.

Negligence DEFINITELY applies to Fair Isaac, since they KNOW that they rate collections by the wrong date and many inquiries are NOT for credit applications.

law.com: tort
n. from French for "wrong," a civil wrong or wrongful act, whether intentional or accidental, from which injury occurs to another. Torts include all negligence cases as well as intentional wrongs which result in harm. Therefore tort law is one of the major areas of law (along with contract, real property and criminal law) and results in more civil litigation than any other category. Some intentional torts may also be crimes, such as assault, battery, wrongful death, fraud, conversion (a euphemism for theft) and trespass on property and form the basis for a lawsuit for damages by the injured party. Defamation, including intentionally telling harmful untruths about another-either by print or broadcast (libel) or orally (slander)-is a tort and used to be a crime as well.

Good, that'll work!

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