In May 2024, Kelly Guzzo filed a lawsuit on behalf of a Hawaii resident against Experian, as well as multiple credit card companies, after they refused to remove inaccurate information from her credit report.
This lawsuit came after the consumer discovered a litany of inaccurate credit report information, including: (1) eight accounts that did not belong to her; (2) four inquiries; and (3) personal information associated with someone else. Following this discovery, Plaintiff mailed Experian a dispute letter that explained that none of the information belonged to her and either: (1) someone was using her credit without authorization; or (2) Experian’s matching criteria was confusing her with another person.
In response to her credit dispute, Experian deleted 5 of the credit accounts, but claimed to have “verified” the accounts with three credit card companies. Experian also refused to remove the inquiries and certain identifying information, such as addresses in Utah. Plaintiff alleges that Experian merely regurgitates the credit companies’ response, despite numerous court decisions admonishing this practice. Indeed, Experian is sued thousands of times a year for this practice but it still merely forwards the dispute to the credit card company and accepts the furnisher’s results without consideration of the contradicting information submitted by the consumer.
If you live in Hawaii (or elsewhere), the lawyers at Kelly Guzzo, PLC can assist you with removing inaccurate information from your credit reports. We can also assist you with filing a claim against the credit bureaus to compensate you for the damages you suffered as result of the inaccurate credit report information. We have handled dozens of similar cases where credit bureaus and credit card companies have refused to remove inaccurate information from a credit report. There is no out-of-pocket cost for these services and we only recover if you do.
Please contact us if there is a mistake on your credit report.
