Consumer Justice Law Firm wins $95,000 jury verdict over Experian credit error case

A Texas federal jury awarded $95,000 to a Venezuelan immigrant after Experian mixed his credit file with his son’s, according to Consumer Justice Law Firm. The verdict adds legal fees and underscores how credit reporting errors can block access to housing, vehicles and other essentials.

Why it matters: - Credit report mistakes can quickly translate into denied loans, housing obstacles and other real-world financial harm. - The verdict also reinforces that credit bureaus face legal exposure when their matching systems produce inaccurate consumer files.

What happened: - A unanimous jury awarded $95,000 to Ronald Alexander Garcia Delgado in a lawsuit against Experian Information Solutions, Inc. - The case was filed in the United States District Court for the Eastern District of Texas. - Consumer Justice Law Firm represented Garcia Delgado. - Experian also was required to pay Garcia Delgado’s legal fees.

The details: - Garcia Delgado is a Venezuelan immigrant living in Texas. - The lawsuit alleged that Experian combined Garcia Delgado’s credit information with negative accounts belonging to his son. - The two men’s personal information included dates of birth 24 years apart. - The evidence showed Experian’s matching system linked the father and son based on a first name and a shared address. - Equifax and TransUnion did not make the same error. - Garcia Delgado’s legal team argued that Experian failed to follow reasonable procedures to assure maximum possible accuracy under the Fair Credit Reporting Act. - The jury found that Experian’s actions caused multiple lending denials and cut off Garcia Delgado’s access to credit. - Consumer Justice Law Firm said the case required work before a rural Texas jury with Spanish-English interpreters for Garcia Delgado and several witnesses. - The law firm said Garcia Delgado was denied credit while trying to obtain a vehicle, furniture and housing-related necessities after moving to the United States.

Between the lines: - The verdict highlights how a single file-matching mistake can cascade across major parts of a consumer’s financial life. - The case also shows the importance of cross-checking credit files, especially when family members share names or addresses. - James Ristvedt, managing attorney and trial counsel at Consumer Justice Law Firm, said the case showed the real-world consequences of inaccurate credit reporting and how Experian’s errors affected Garcia Delgado’s attempt to start a new life.

What's next: - Consumer Justice Law Firm said Garcia Delgado was represented by Managing Partner David Chami, Managing Attorney James Ristvedt and attorney McKenzie Czabaj. - The firm said it is headquartered in Scottsdale, Arizona, with local offices throughout the U.S. and nationwide coverage. - The firm’s website is available here.