Thank you for everyones help in the past.
In 2006 I was sued and a debt collector who obtained a default judgement. (I didn't know the law then).
I finished paying off the debt because I was watching my credit report tick down to zero. In fact all 3 credit reporting agencies at least show a $0 balance.
I made my final payment last September 2010 and sent a letter of satisfaction to the collection agency informing them of the final payment and acking to correct any errors I may have made. In other words, I paid the debt now reconsile your records to see if I am correct.
11 months later I receive a writ of garnishment from the collection agency. I answered with Objection and Hearing form. Instead of being honerable and answer my letter 11 months ago, they just filed more court papers.
I looked at my credit report today and it still says a zero balance on all 3 reports for the account they sued me for. Because if this I am suing them under the FDCA and the FCRA for inaccurate credit reporting but I would like to add defamation of character. I know how to reference the FDCA and the FCRA for law but how do I write Defamation of Charater into a lawsuit?
In a phone conversation with the collection agent I did ask, "Who marks my credit report?"
The answer, "No one does untill the debt is payed off."
Someone made a 9,000 balance on the report disappear. Also do I sue the collection agency or the OC? I think the collection agency is not a debt buyer.
I live in Michigan.
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