Can I Sue Experian?

Question

I have applied for a credit card with bank of america several times and i have been denied i checked my credit history and im seeing wrong information which led to the denial of my credit card applications. Can i sue for damages? and experian does not even have a fax or telephone number where i can call to dispute the information on my credit report. They listed my birthday as 1985 instead of 1988 which caused collection agency debts that i owed when i was 17 to be posted on my account because they listed my birthday 1985 it showed that i was 20 when the debts came in but i was actually 17.

1. Do you have a fax or phone number where i can reach experian? (I get an error messege with the online dispute form)
2. Can i sue for damages since they caused me to be denied for a credit card over 2 times

Answer 1

You can sue anyone for any reason, I don't know if you will win though

Answer 2

Yes, you can sue. But first you have to understand the law, and know how the game is played.

It's going to be hard to sue Experian. Their job is only to report what is given the them by creditors. They DO NOT investigate their accuracy.

The only way Experian will be liable is if you dispute the entry, and they fail to "verify" the debt. But since all that is required of them is to call the creditor and ask if it's legitimate and accurate, and if the creditor says it is, then the item stays. Again, no real investigation is done, but now Experian is off the hook.

What you need to do is send a certified letter/return receipt to the creditor and demand that he "validate" the date. That means he must PROVE that you owe this debt, and supply you with written contracts, bills, receipts, and everything that was used to calculate what they claim you owe.

If they do not supply you with this information, then you send another dispute letter to the credit bureau telling them that the creditor failed to "validate" the debt. Since it is illegal for the credit bureau to list "unvalidated" information to your credit report, THAT would be a violation and then you could sue Experian. But since they are getting much better at verifying debts, this isn't likely to happen.

If, after you have sent these letters and the debt is not removed, you can sue both the creditor and the credit bureau. This is a small claims court suit and you do not need a lawyer to do it.

As for the part about posting debts while you a minor, it's legal for them to do. If the debt was yours (even as a minor) they can list it. So don't waste your time disputing those entries.

Now in the situation where a listing is posted to your report without validation, you can sue them for $1000 for each occurance. You can also sue for damages that the listing caused, but the burdon of proof is on you to show how you were damages.

Simply being denied a credit card does not result in damages, unless you were forced to get another card with much greater interest rates.

The damage claims work better in cases where you were force to get a mortgage and the interest rate was much higher....or maybe you were denied employment due to a poor credit report. That's much easier to prove for damages and you have a better chance to win.

See the links below for more help, or contact me. I've been there, as I've sued a creditor and the Equifax for a bad credit item and won $1200 for my troubles.

Answer 3

Yes, you can sue them but you have to prove they did it purposly.
Experian
NCAC
PO Box 2002
Allen, TX 75013
1-800-509-8495
You need to dispute by mail. send them a letter telling them you feel you were denied credit due to an error on their part. Explain the problem (your birthdate), and list accounts that are on your report that shouldn't be. Send a copy of drivers license, or state ID, and I'd also send a copy of my birth certificate. Make sure you tell them you'd like them to investigate, correct their errors, and send the new info to creditors that have obtained your credit report in the last 6 months. Send it certified, no signature required. Since, it's going to a PO Box no one can sign for it, but you'll know exactly what day they got it. Keep this certification from the post office, when you get their responce back if they haven't changed anything then you can sue.
You've explained the problem, you've given proof, if they dont change it they're wrong. Small claims will do just fine.

Answer 4

Speaking as the nation's top credit expert (visit www.LearnAboutCredit.com)

Yes, you can sue Experian. I suggest small claims court. You will have to PROVE that they knowingly falsely reported negative information, and you will to prove that you have been damaged. Any lawyer would tell you that.

Answer 5

You should get your annual free credit report BEFORE you make applications . . . and you can have the corrections done once you have that copy for reference.
and you can sue anyone you want in America, the big question is ' Is the cost of the legal action worth the return ?
the experian report site
http://www.freecreditreport.com/

Answer 6

Experian Ncac

Answer 7

For Credit and finance solutions I always visit this site where you can find all the solutions. http://LOANSANDFINANCES.INFO/index.html?src=5YAPZPovy3gpS1

RE :Can I Sue Experian?
I have applied for a credit card with bank of america several times and i have been denied i checked my credit history and im seeing wrong information which led to the denial of my credit card applications. Can i sue for damages? and experian does not even have a fax or telephone number where i can call to dispute the information on my credit report. They listed my birthday as 1985 instead of 1988 which caused collection agency debts that i owed when i was 17 to be posted on my account because they listed my birthday 1985 it showed that i was 20 when the debts came in but i was actually 17.

1. Do you have a fax or phone number where i can reach experian? (I get an error messege with the online dispute form)
2. Can i sue for damages since they caused me to be denied for a credit card over 2 times
Follow 11 answers

Answer 8

I have a phone number for experian, I have not tried it yet so I don't know if it works 1-819-762-4351

Answer 9

1. http://www.expert-credit-advice.com/credit_basics.htm

2. Yes, but it will be difficult. You are better off simply disputing the negative item. Use this link: http://www.expert-credit-advice.com/free_credit_repair.htm

Answer 10

I just talked to an idiot in Transunion who had no idwa about nothing Maybe he should lok for a job at 711?Paul