Experian Beats Suit Over Failing to Investigate Credit File

Experian Information Solutions Inc. didn’t violate federal law when it declined to investigate a credit repair company’s notification that a client’s credit report contained inaccuracies, a federal appeals court affirmed July 24.

The Fair Credit Reporting Act didn’t require Experian to examine disputed items on Trinity Warner’s report because the credit repair company, and not Warner, notified Experian about the matter, the U.S. Court of Appeals for the Ninth Circuit said.

The act provides that consumer reporting agencies like Experian must assess disputed credit file items when a consumer notifies the agency directly, the court said.

Warner played no part ...