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How to Sue Equifax

From Lifehacker - September 15, 2017


If Equifaxs security incident last week has you thinking about a lawsuit, youre not alone. From hiring your own lawyer to representing yourself in small claims court or joining a class-action lawsuit, there are a number of ways you can take your frustration about the incident to the courts.

Streamline Suing With a Chatbot

Small-claims court is likely your best bet if you want to sue Equifax personally. If youre not a lawyer, then filling out all that legal paperwork can be a bit daunting. One startup, Do Not Pay, has revamped its chatbot typically used to argue parking tickets to help filling out small claims forms for suing Equifax.

The idea is a decent onebut some publications have reported that the bot will automatically sue Equifax for you, which just isnt true. It will help you fill out the paperwork for a suit, but its still on you to file that paperwork with your local court (and pay a filing fee).

Youre also going to have to show up in court and argue your case. TechCrunch notes that the form automatically sets a complaint at $10,000. While that might seem like a good amount to you, youre going to have to prove youve had $10,000 worth of damages in small claims court. If you cant prove your information has been accessed or is being used, then that might be a difficult proposition. If you fail to prove damages, youll probably lose your case.

Theres also a chance that Equifax will move to have all the small claims court cases consolidated into a state or federal court. In that case, youll be at the mercy of the larger court for this solution.

Get Paid to Sue

Filing a small claims court case isnt free. A startup called Legalist is offering to pay the fees involved in filing a small claims case against Equifax for anyone that was affected by the incident.

Motherboard reports that if you sign up with them, theyll mail you a check to cover the cost of filing (typically between $70 and $100). In exchange, the group will give you a pre-filled legal complaint to send to the court. However, if you win, youll have to give the company 30% of the judgment. Depending on how much youre suing for, that cut might be a lot more than the $100 that the company gave you to file the suit.

What About the Class Action Suit?

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