Consumer Justice Law Firm wins $95,000 verdict against Experian

A Texas federal jury awarded $95,000 to Venezuelan immigrant Ronald Alexander Garcia Delgado after finding Experian’s credit reporting errors harmed his access to credit. The case adds fresh scrutiny to matching practices at major credit bureaus and the real-world fallout from inaccurate credit files.

Why it matters: - The verdict underscores how credit report errors can block access to housing, vehicles and other basics tied to lending decisions. - The case highlights the legal risk for credit bureaus when matching systems combine the wrong consumer files. - Garcia Delgado also recovered legal fees, increasing the cost of the loss for Experian.

What happened: - A unanimous jury in the United States District Court for the Eastern District of Texas awarded Ronald Alexander Garcia Delgado $95,000 in a lawsuit against Experian Information Solutions, Inc. - Consumer Justice Law Firm represented Garcia Delgado in the case. - The lawsuit centered on Experian combining Garcia Delgado’s credit information with negative accounts tied to his son. - Garcia Delgado is a Venezuelan immigrant living in Texas.

The details: - The complaint said Experian sold credit reports used in credit and lending decisions. - Garcia Delgado and his son had personal information that differed in key ways, including dates of birth 24 years apart. - The legal team argued Experian failed to follow reasonable procedures to assure maximum possible accuracy, as required under the Fair Credit Reporting Act. - The jury found that Experian’s reporting caused multiple lending denials that cut off Garcia Delgado’s access to credit. - Evidence showed Experian’s matching system linked the father and son through a first name and a shared address. - Equifax and TransUnion did not make the same mistake. - Consumer Justice Law Firm said the case involved a rural Texas jury and required Spanish-English interpreters for Garcia Delgado and several witnesses. - James Ristvedt, managing attorney and trial counsel at Consumer Justice Law Firm, said the case showed the real-world consequences of inaccurate credit reporting. - Ristvedt said Garcia Delgado was denied credit while trying to obtain a vehicle, furniture and housing-related necessities after immigrating to the United States. - Ristvedt said the errors made it harder for Garcia Delgado to start a new life with his family.

Between the lines: - The verdict suggests juries may view identity-matching mistakes as more than administrative errors when they affect everyday borrowing. - The fact that two other major bureaus avoided the same error may sharpen questions about Experian’s procedures. - The case also shows how credit-report disputes can become especially difficult for newcomers unfamiliar with the U.S. credit system.

What's next: - Consumer Justice Law Firm said Garcia Delgado is represented by Managing Partner David Chami, Managing Attorney James Ristvedt and attorney McKenzie Czabaj. - The case is Ronald Alexander Garcia Delgado v. Experian Information Solutions, Inc., Civil Action No. 4:24-cv-00637 (E.D. Tex. 2026). - Consumer Justice Law Firm, based in Scottsdale, Arizona, said it handles consumer protection matters nationwide. - More information is available in the company's announcement.