Under the proper circumstance you can sue for credit libel.

If a creditor staying in a different state blemishes my credit report with information that I believe to be inaccurate, can I make a claim in my local Small Claims court and if I win as the creditor is out of state and did not bother to appear at court, will the inaccurate report be removed from my report? Can I sue the creditor as the false report negatively affects my reputation?

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Under the proper circumstance you can sue for credit libel. If the creditor has made an erroneous entry, you have the right to claim for violation of the FDCPA. However, to start with, you have to dispute with one of the credit bureaus. If the error is not rectified, you can sue the creditor. However, if a debt buyer is reporting erroneous dates (re-ageing the debt), then you can't sue. Again, if one credit bureau rectifies their report and the other doesn't, you can also sue them. Consult a consumer attorney in your area to assist you.


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