Can I File a Lawsuit Against Experian for Violating the FCRA?

person holding credit card

If you are like most people, you pay close attention to your credit report. That said, it is far from uncommon for credit reporting agencies, such as Experian, to make mistakes when drafting and sending out credit reports. If you recently noticed an error on your Experian credit report, but Experian failed to fix the error in question, you are most likely wondering what you should do next. Please continue reading and reach out to a dedicated New York City credit report lawyer from Rahman Legal to learn more about whether you can sue Experian for refusing to fix a credit reporting error and how our legal team can help guide you through the legal process ahead. Here are some of the questions you may have:

Under what circumstances may I sue Experian for a credit reporting error?

The first thing you should understand is that you most likely cannot sue Experian simply for making a mistake on your credit report. However, if Experian makes a mistake on your credit report, they are legally obligated to fix the credit reporting issue timely. If they refuse to fix the issue or ignore your request, you likely have a valid claim against you. Common credit reporting errors that we see can include the following:

  • Spelling names or addresses incorrectly
  • Giving individuals incorrect credit scores
  • Issuing unauthorized inquiries
  • Incorrectly recognizing closed accounts as open
  • Using inaccurate payment information
  • Reporting the same account more than once

If you’ve noticed any of the aforementioned errors and Experian has failed to remedy them, speak with a lawyer from our firm, as we may be able to file a lawsuit on your behalf on the grounds that Experian has violated the federal Fair Credit Reporting Act.

How long do I have to file a claim in New York State?

If you are looking to sue Experian for a credit reporting error, you must do so within the statute of limitations, which is two years. This means that you will have two years from the date of the violation of the Fair Credit Reporting Act to file a claim against Experian. If you have any additional questions or would like to speak with a seasoned consumer law firm here in New York City, simply pick up the phone and give us a call or contact Rahman Legal online today. We are here to fight for the justice you deserve.

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