Sue Experian for dismissing credit report disputes!
Have you filed a dispute with Experian regarding your credit report error(s), yet those error(s) remain? If so, you'll be glad to know Consumer Attorneys can assist you! Part of what we do is ensure that consumers' rights are shielded from negligent behaviors exhibited by credit report bureaus and/or their information furnishers.
Inaccuracies can be embedded in credit reports due to clerical errors, negative information that remains after it should have been removed, fraud, and other reasons. Credit report mistakes are very common, and if those mistakes are damaging, one's credit scores can take a real beating. Often, the credit report holder is unaware.
Consumers are the ones who must regularly review their credit reports to ensure the accuracy of the content. Though that is not Experian's role, it is Experian's responsibility to properly address error disputes when consumers properly file them.
American businesses and consumers trust Experian as one of the three major reporting agencies that provide credit reports and credit scores, as well as screening services for employers performing background checks, lenders determining a borrower's credit-worthiness, etc.
Experian does not operate in a vacuum and errors seep in. Mistakes on credit reports can be innocent and easily rectified, but mistakes can also be due to negligence by the credit reporting agency or entities that furnish their information. When negligence is determined to be willful, consumers have the right to sue under the Fair Credit Reporting Act.
Credit report inaccuracies are pervasive
The Federal Trade Commission conducted an expansive study in 2012, and the results were stunning. The study found that one in four American consumers had one more errors on their credit reports. During 2020, American consumers filed more than 280,000 complaints regarding credit report mistakes.
Because mistakes don't announce their arrival on credit reports, they can languish for weeks, months, or years. Unsuspecting consumers then wonder why they weren't approved for that car or home loan. The ramifications of shattered credit scores can affect so many aspects of one's life.
Consequently, Consumer Attorneys encourages you to visit annualcreditreport.com to obtain your free credit report from Experian, as well as the other two major credit reporting agencies. If any information looks unfamiliar or questionable, call our team immediately at (800)604-0466.
The FCRA is your potent legal advocate
The Fair Credit Reporting Act (FCRA) protects consumers' rights in a number of ways. As it applies to credit reports, the FCRA gives consumers the right to:
- Obtain a copy of their credit reports
- Determine who can view their files
- Know when a credit report is being used against them
- Dispute Equifax and other credit reporting agencies regarding errors on their credit report
- Receive punitive and statutory damages when credit report agencies and/or their furnishers have demonstrated intentional negligence by not properly addressing disputes
Sue for unresolved credit report errors
If you have legal grounds to sue Experian for credit report errors that remain after a proper dispute process, you wouldn't be the first. Here are just two examples of lawsuits that were filed against Experian for not demonstrating due diligence during credit report error disputes:
- The plaintiff alerted Experian regarding more than one account on her credit report that did not belong to her. Other individuals’ Social Security numbers and addresses were included on the plaintiff's credit report. The plaintiff disputed the error with Experian, but Experian did not correct the mistake. The Plaintiff had been denied a home loan.
- A plaintiff's Experian report included a deceased person's information. The deceased individual had opened up accounts before the plaintiff was born. The plaintiff filed a dispute to have Experian remove the deceased's information, which he claimed was not his. Experian failed to rectify the error and, as a result, Experian was sued for violating the FCRA and the plaintiff's rights.
If you wish to contact Experian for a credit-report error dispute, you can access Experian's online dispute form, call Experian's toll-free number at (888)397-3742, or write a dispute letter and mail it to Experian.
You can obtain additional information at experian.com
Your credit report errors need to go away!
Consumers' efforts to remedy credit report errors do not always garner acceptable results. Experian has a 30-day window to correct mistakes after a proper dispute. If your credit report errors remain after your dispute, you may have a right to sue Experian.
At Consumer Attorneys, we are ready to assist you with a lawsuit against Experian for unresolved credit report errors that may be damaging your credit score. Consumer Attorneys can connect you with a credit report attorney who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis. Your circumstances may entitle you to substantial financial damages.
Through Consumer Attorneys, you pay no out-of-pocket fees. Our credit report attorneys only receive a fee if they win on your behalf!
Experian Lawsuits and Cases
These are real cases filed by Consumer Attorneys’ clients. If you have experienced any similar issues, you may have a case against Experian.
Rahil Akbar v. Experian: Rahil Akbar applied for auto financing and was denied based on information in his Experian report. Rahil discovered that his Experian report contained 24 accounts that did not belong to him, including a mortgage loan from BBVA that he did not take out. After Rahil mailed a dispute letter to Experian, Experian responded that accounts were deleted, prompting him to apply for the car again. However, Experian continued to inaccurately report the BBVA mortgage loan. Despite multiple attempts, Rahil was ultimately unable to purchase the car.
Yakov Gindin v. Experian: While in the process of refinancing a mortgage, Yakov Gindin discovered that Experian was reporting a collections account stemming from a T-Mobile account. However, this account belonged to someone else, which T-Mobile confirmed. Although Yakov disputed this account with Experian, Experian continued to report the account, and Yakov was unable to refinance his mortgage.
Replace stonewalling with results. Call our team!
If your Experian credit report includes errors that have not been corrected after a proper dispute, call Consumer Attorneys right away! You can connect with our legal team in various ways:
- Call (800)604-0466 for immediate assistance and a free case review.
- Fill out our brief Contact Us form or initiate a live chat to share your concerns.
Reach out to us at firstname.lastname@example.org with any questions.
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