Suit Says Experian Reports Outdated, Inaccurate

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Experian Information Solutions, Inc. has been accused of violating the Fair Credit Reporting Act (FCRA) in a proposed class action lawsuit filed out of Illinois federal court. From the complaint:

“In violation of the FCRA, Defendant prepares and furnishes consumer reports that include tax liens that, despite being listed in Cook County, Illinois public records as having been paid, satisfied, or released, are reported by Defendant as unpaid, unsatisfied, or outstanding.”

The plaintiff says she applied for a home loan and was denied based on a consumer report pulled from Experian that listed a tax lien of $11,853. She argues that the lien had been released nearly two years earlier and should not have appeared on her credit report. According to the suit, Experian receives its tax lien data from a third-party vendor instead of from the public records themselves, thereby resulting in harmful consumer reports that contain inaccurate and out-of-date information.