Experian secures summary judgment in lawsuit challenging adequacy of credit reporting system

Client(s) Experian Information Solutions, Inc.

Jones Day successfully represented Experian Information Solutions, Inc. in a case brought in the Eastern District of Kentucky alleging liability under the Fair Credit Reporting Act (“FCRA”). The plaintiff in the lawsuit alleged that because she was unable to obtain a consumer report under her legal name, which consisted of a single-letter surname, Experian violated the FCRA. The court granted summary judgment to Experian on all claims, holding that the plaintiff provided no evidence of an inaccurate consumer report, and agreed with Experian that the plaintiffs’ theory of liability was not actionable under the FCRA. In so holding, the court recognized that the FCRA did not state how credit reporting agencies must maintain the information they gather or how they must ensure accuracy.

E. v. Experian Information Solutions, Inc., No. 5:17-cv-00098 (E.D. Ky.)