Legal Question in Credit and Debt Law in New Jersey
Within the last week, Experian has generated an extremely negative credit report for me which has resulted in at least one of my credit card accounts IAmex) significantly reduced with its credit line. When I contacted Experian about this matter, I discovered that they have mixed my excellent credit history with that of another individual who is severely delinquent in payments and is carrying several mortgages. What is really infuriating about this is that this other individual has a name that looks somewhat similar to mine, lives about 10 miles from me, and has a street number that is the same as mine (but completely different streets/towns). Moreover, our SS#'s are different and he is married while I have never been married. But somehow this was enough for Experian to conclude that we had to be the same person and in the process Experian is ruining my credit status. They apologized to me and promised to rectify the problem within 5 days, but my question to the legal community is - should I sue Experian for their incompetence? Both Transunion and Equifax have excellent reports for me but there should be some penalty for a company like Experian to operate like this without impunity.
Please advise.
1 Answer from Attorneys
It sounds like you need to look at the federal law, Fair Credit Reporting Act.
I can help you with this. Give me a call, make an appointment to come see me, and let's get moving on this for you. No charge for the telephone call and no charge for the first office visit.
Robert Davies, Esq. 201-820-3460
The Davies Law Firm, P.A.
45 Essex Street, Suite 3 West
Hackensack New Jersey 07601
Phone: 201-820-3459
Fax: 201-820-3461
Email: [email protected]
Website: AttorneyRobertDavies.com
Please keep in mind that my response is just a general comment on your question, and not legal advice. I have answered based upon the law of the State of New Jersey where I practice; the laws in other states may be very different, and may result in very different outcomes. Your question and any response does NOT create an attorney-client relationship between you and this law firm. The exact details of your situation and things that you have not mentioned in your question can completely change the response I gave. You can not rely upon what I have written as legal advice, because I do not have all of the information that I need to advise you, I only have the very small amount of information that you put into your question. To get legal advice that you can rely on and use, please contact me directly.
Related Questions & Answers
Looking for something else?
10,200 active attorneys ready to answer your legal questions today.
Featured Attorneys
Earn additional revenue and grow your business.
