Legal Question in Credit and Debt Law in Georgia

Get a lawyer. If you can document that you did written challenges to the credit bureau and the creditor and the lawyer, you can likely sue all three and get damages. Be sure you bring all your letters and certified mail receipts to your lawyer (if you did not do proper challenges, you cannot sue yet, but your lawyer can still help clear the report).

If the judgment was paid in full, then the creditor who got the judgment against you had a duty to mark the judgment satisfied. What I would do is write a letter to the attorney for the creditor, explain that the judgment was paid in full (attach proof of payments) and demand that they mark the judgment satisfied. Send the letter via certified mail and give then 30 days to act. If they fail to act, then you can sue them.

If the judgment was already marked satisfied, paid in full, then you do not need to write to the creditor or their attorney. Get a copy of the court record showing that the judgment was satisfied and have your lawyer write to the credit bureaus.

The credit bureaus have their own person report information and my guess is that if the judgment was not marked satisfied, then the credit bureaus have no power to amend anything and they will not do anything until the judgment is reported as satisfied. If you have provided the credit bureaus with a copy of the satisfaction and they still will not take it off, then you can sue them.