taking them to court for what??
Every creditor has their own approval process, they can and will deny for any reason they see fit.
Obviously if you have the "same" name that is where the mix up could very well be. Did they infact pull your credit or your fathers? and what is their reason for denial of the loan?
Again I don't see you having any "legal" recourse for court.
Recently I applied for a discover personal loan. I was approved for 20k then they asked me the security questions. One of them was info about my dad's credit. He has my same name and we live in the same house. They asked if I had ever owned the car he owns. I said no. Had I said yes I would have got the loan.
How do I take discover to court over this? I'm sending them a letter in response to theirs tomorrow stating pretty much the same as I have here asking them to grant the loan or remove the hard pull.
What options do I have? I already asked lexisnexis to send me my personal report.
Suing anyone can be done....winning the suit is a different story. There are specific reasons for which denial of credit can not be based such as race or ethnicity or religious beliefs. Absent any of that, a creditor is not required to extend credit to anyone...a loan is not a right. IMO a lawsuit in this case would fail and likely result in you having to pay for their legal fees. Keeping in mind they wanted to extend the credit in the first place and was thwarted by an erronious item in the credit report, just explaining this to the CSR would likely have a favorable outcome. I would not make it sound like a demand to them though. I am not a lawyer, so this is just my opinion.
If one could sue a lender based on a verification system then Blispay would have been dead on arrival.
OP, best of luck to you but legal proceedings is a long stretch here in my opinion.