Top Class Actions’s website and social media posts use affiliate links. If you make a purchase using such links, we may receive a commission, but it will not result in any additional charges to you. Please review our Affiliate Link Disclosure for more information.
Experian false credit reporting lawsuit overview:
- Who: A Florida jury began hearing opening arguments for a complaint filed against credit reporting agency Experian by Henry John Losch.
- Why: Losch claims Experian violated the Fair Credit Reporting Act by falsely reporting he was delinquent on his mortgage payment and passing off the investigation.
- Where: The complaint was filed in Florida federal court.
A jury in Florida began hearing a complaint this week by a consumer accusing credit reporting agency Experian of reporting false information that he was delinquent on his mortgage.
Plaintiff Henry John Losch claims Experian violated the Fair Credit Reporting Act (FCRA) by not investigating his credit report dispute and passing off the inquiry to Nationstar Mortgage LLC, which he says maintained the debt, Law360 reported.
Losch argued to the jury that the entirety of Experian’s business relies on it following regulations set by the FCRA, and said the credit reporting agency would likely try to portray the law as complicated.
Counsel for Experian, meanwhile, claimed Losch’s argument was invalid, arguing it is only required to have “reasonable procedures” in place to guarantee the utmost precision, according to Law360.
Experian deflected blame for false credit report onto Nationstar
Experian ultimately deflected the blame toward Nationstar, claiming the company stood by its mistake when questioned by the agency and, additionally, was the actual source of the invalid information.
Further, counsel for Experian argued Nationstar had already reached an out-of-court settlement agreement to compensate Losch and resolve the claims, Law360 reported.
Experian also argued Losch had not been financially injured due to the false report since he had not been denied a loan or credit card on account of the error.
“No one even saw that information,” Experian said, according to Law360. “The information in the reports only went to Mr. Losch.”
Experian has been the target of previous legal claims.
A class action lawsuit was filed against Experian in December over claims the credit reporting agency unlawfully reported on medical debts sustained by children.
Has your credit report been damaged by identity theft within the past two years? You may qualify to join a free identity theft credit damage lawsuit investigation.
The plaintiff is represented by Susan M. Rotkis, David A. Chami and Michael Everett Yancey III of Price Law Group APC and Aaron M. Swift of Swift Isringhaus & Dubbeld.
The Experian false credit reporting case is Losch v. Nationstar Mortgage LLC, et al., Case No. 2:18-cv-00809, in the U.S. District Court for the Middle District of Florida.
Don’t Miss Out!
Check out our list of Class Action Lawsuits and Class Action Settlements you may qualify to join!
Read About More Class Action Lawsuits & Class Action Settlements:
4 thoughts onExperian false reporting showed consumer’s mortgage delinquent, jury told
Please include me in this class action lawsuit. I have been requesting my free credit report and I have not received it yet from either credit bureau. Send my credit report with the dispute form included.
Thanks!
Add me
There’s nothing to be added to. If you wish to be part of a settlement claim you must submit your own claim. If you don’t see a button to submit a claim then most likely there isn’t one at this time. Click the menu up top and look for open settlement claims that are still active.
Add me