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Consumer Law Keyed to Pridgen, 5th Ed.
Sarver v. Experian Information Solutions
Citation:
390 F.3d 969 (2004)Facts
Lloyd Sarver applied for credit with Monogram Bank of Georgia on August 2, 2002, and was denied based on his Experian credit report, which indicated that his Cross Country Bank accounts were “involved in bankruptcy.” Sarver had never filed for bankruptcy; the bankruptcy notation actually pertained to a different Lloyd Sarver who had filed bankruptcy in Pennsylvania in 1997. Sarver requested copies of his credit report both before and after the denial, and both reports showed the erroneous bankruptcy notation. On August 29, 2002, Sarver wrote to Experian disputing the bankruptcy information and requesting its removal, providing his name and address but no Social Security number or other identifying information. On September 11, 2002, Experian responded requesting additional information, including his Social Security number, before it could investigate. Rather than providing the requested information, Sarver filed this lawsuit. The inaccurate notation was eventually confirmed and removed on February 20, 2003.
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