Legal Question in Credit and Debt Law in North Carolina

Whoa. Before you can sue, you must first have tried to dispute the error with the credit bureaus and with the creditor. If you have done that and you have a clear violation, you can sue for either actual damages or UP TO $1,000 per violation. That does not mean you will get $1000. Small claims handles actions of up to $10,000 so you can probably sue in small claims if your damages do not exceed this amount. But why would you want to? Lawyers can get their counsel fees paid if a violation is established.

I suggest that you find an attorney in your area who handles FCRA/FDCPA types of claims and talk to him or her before you go off filing suit to make sure that you have complied with the prerequisites. .