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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 inaccurate information on your Experian credit report, contact Experian right a way to file a dispute.
You can start an Experian credit report dispute in the following ways:
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.
The following are complaints and cases recently filed by the consumer law firm, Francis Mailman Soumilas, P.C..
If you have experienced any of the following, you too may have a case. Call us at 1-877-735-8600 for a free case evaluation.
Stanley Marcell Cain v. Experian Information Solutions, Inc. – E.D. PA – Plaintiff has an inaccurate account reporting on his Experian credit report. Defendant mixed Plaintiff’s information and is reporting another person’s account on Plaintiff’s Experian credit report. Plaintiff disputed to Experian, but the account was verified. As a result of Experian’s inaccurate reporting, Plaintiff has been denied credit opportunities.
Judy Ann Sego v. Experian Information Solutions, Inc. – N.D. GA – Plaintiff is listed as deceased on two accounts on her Experian report. Plaintiff is not deceased. As a result of this inaccurate reporting, Plaintiff has lost opportunities to obtain credit.
Tyshaon Johnson v. Experian. Experian has mixed Plaintiff Tyshaon Johnson, Sr’s file with the file of his son Tyshaon Johnson, Jr. As a result of the mixed file, a collection account with CACI appears on Plaintiff’s Experian credit file. The presence of the inaccurate collection account has caused Plaintiff to be turned down for credit.
Nikolas v. Experian. N.D. CA – Plaintiff has an inaccurate account reporting on her Experian credit report. Plaintiff has never had an Affirm account. Plaintiff disputed to Experian several times, but the account was verified. As a result of this account’s reporting, Plaintiff’s mortgage loan application was put on hold.
Steelman v. Experian. Experian Information Solutions, Inc. has faulty procedures that result in the mixing of consumers’ files and credit reports. Experian made these errors on Plaintiff’s credit reports when it mixed Plaintiff with another consumer who has significant derogatory accounts, including a bankruptcy. Because the other consumer’s negative information was on Plaintiff’s credit reports, he was denied the ability to use his credit to make purchases.
Traina v. Specialized Loan Servicing, Trans Union, Equifax and Experian. Plaintiffs’ mortgage servicer was Specialized Loan Servicing. When the pandemic began, just like so many other homeowners, the plaintiffs were hit with financial stress, and qualified for, and agreed to, a forbearance. Despite the forbearance agreement being in place, Specialized Loan Servicing began reporting to Trans Union, Experian, and Equifax that plaintiffs were late on their mortgage payments. Despite multiple disputes, Specialized Loan Servicing, Trans Union, Experian and Equifax all failed to correct the inaccurate reporting, and Plaintiffs suffered financial damage as a result.
Walter Ray Sheldon Brown v. Experian. Southern District of Texas – Experian has mixed Plaintiff’s credit file with the credit file of another consumer. Experian knows that it must use heightened matching criteria when matching common names. As a result of the mixed file, Plaintiff has been unable to rent a home
Michael Ruzbarsky v. Experian. Plaintiff is the victim of identity theft. He disputed two fraudulent accounts with Experian and included a police report and an identity theft affidavit. Experian failed to block the fraudulent accounts and verified them as accurate.
Barbara Williams v. Experian. Plaintiff had two medical collection accounts on her Experian credit report. The accounts belong to her adult son form whom she is not responsible. Plaintiff disputed the two inaccurate collections accounts with Experian. Experian failed to perform a reasonable investigation into Plaintiff’s disputes and verified the collection accounts as accurate.
Jermaine Cobbins v. Experian. – When Plaintiff traded his car into an auto dealership, the dealership failed to make a timely payoff to Capital One. The late payment made by the dealership was then listed on the Plaintiff’s Experian credit report. The dealership acknowledged the error and the Plaintiff disputed the late payment on his auto loan to Experian with a letter from the dealership. Despite the letter from the dealership Experian verified that the Plaintiff made a late payment. Plaintiff had no other late payments.
LaPeruta v. Experian, TransUnion, Equifax and Navient. – Plaintiff’s credit reports are inaccurate. The inaccurate information is at least 2 accounts from Dept. of Ed./Navient; SS#s; addresses; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion and Equifax, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information and it was not corrected by any of the bureaus. She was denied a mortgage.
Pauline Odeyemi v. Experian – Plaintiff is the victim of identity theft. She disputed two fraudulent accounts with Experian and included a police report and an identity theft affidavit. Experian failed to block the fraudulent accounts and verified them as accurate.
Ralphael Small v. Experian. – Plaintiff found two collection accounts on his Experian credit report that do not belong to him. The accounts belong to Plaintiff’s twin brother who has a very similar name as Plaintiff. As a result of the similarity in names, Experian mixed Plaintiff’s file with his twin brother. Plaintiff disputed the accounts, but Experian verified them as accurate.
Amanda Fortes v. Trans Union, Experian, LendingClub, Credit One, and HarborOne. – Plaintiff’s credit report is mixed with another consumer’s, and the other consumer’s credit accounts are appearing on Plaintiff’s Trans Union and Experian reports. The accounts are from LendingClub, Credit One and HarborOne. Plaintiff attempting to have the reports corrected by disputing the accounts to Trans Union and Experian; however, due to Defendant’s faulty procedures, the dispute did not correct the error, and the accounts remain. Plaintiff has been denied the use of her credit as a result.
Christian Peyton v. Experian. – Plaintiff discharged his Chapter 13 bankruptcy in August 2020. Despite the bankruptcy being discharged, Experian failed to report the discharge date. Plaintiff disputed to Experian but Experian verified the inaccurate information as correct.
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 at Francis Mailman Soumilas, P.C. are here to help you sue Experian. Fill out the online form to start your free case review or call us now at 1-877-735-8600.