Ricketson v. Experian Information Solutions, Inc.

OPINION AND ORDER

ROBERT J. JONKER, CHIEF UNITED STATES DISTRICT JUDGE

Plaintiff noticed his credit report reflected a delinquency on his car loan. He notified Experian (and the other consumer reporting agencies) that this had to be a mistake because he had settled his dispute with the lender. The FCRA requires consumer reporting agencies (“CRAs”) like Experian to reinvestigate items a consumer disputes and report results to the consumer. Experian admits it did not do that here, but says it was just an honest mistake, and that it ultimately removed the disputed item from Plaintiffs report…