One of the three big credit reporting agencies, Experian provides information on consumers’ credit backgrounds to businesses looking into someone’s creditworthiness and risk in lending. Most often, banks and lenders will request a consumer’s Experian credit report to determine a loan approval and amount.
Lenders aren’t the only entities who can receive an Experian credit report. Other screening services offered are:
You have the right to request and view a copy of your Experian credit report. It’s important to carefully examine the information included in the report. Unfortunately, errors appear on credit reports all too often and carry serious consequences.
The costs of an Experian credit report error include:
While there are multiple common errors that can appear on your credit report, an error that Experian made was merging one consumer’s files with another’s.
In Sheffer v. Experian Information Services, the plaintiff Richard Sheffer’s Experian credit report was merged with another person’s, who was deceased but had opened up accounts prior to Sheffer being born. Sheffer filed an Experian dispute that the account was not his and to remove it. Experian failed to correct the error, and Sheffer then sued Experian for violating the Fair Credit Reporting Act and his consumer rights. The law firm of Francis Mailman Soumilas, P.C. is proud to have represented Sheffer in this case.
You have the right to dispute an error on your Experian credit report.
Under the Fair Credit Reporting Act (FCRA), you are entitled to a copy of your file, and you have the right to dispute errors on your credit report. You also must be notified if a credit or consumer report has been used against you.
If there is an inaccuracy or mistake on your Experian credit report, contact Experian to dispute the error. Experian has 30 days from the date of the dispute to verify that the information is incorrect and correct or remove the mistake. If there is no correction made on your Experian dispute results after 30 days, the FCRA grants you the right to sue Experian.
There are three ways you can contact Experian to dispute your credit report:
The following are cases or complaints recently filed by Francis Mailman Soumilas, P.C.
If you have experienced any of the following, you may have a case.
Cindy Gomez v. Experian. Experian mixed Cindy Gomez’s file with the file of a Cynthia Gomez. Names, addresses, and collection accounts belonging to Cynthia Gomez are appearing on Cindy Gomez’s Experian credit report. As a result, Cindy Gomez could not pre-qualify for a mortgage.
When you file a dispute by mail, online or over the phone, Experian has a 30-day window to verify that the disputed information is incorrect and fix the error.
If your Experian disputes are ignored after 30 days and errors are not corrected, the attorneys are Francis Mailman Soumilas, P.C. are here to help you sue Experian. Get your free case review and call us toll-free at 1-877-735-8600.