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

A Texas federal jury awarded $95,000 to Ronald Alexander Garcia Delgado after finding Experian credit reporting errors tied his file to his son’s negative accounts. The verdict adds legal fees and underscores how inaccurate credit reporting can block access to housing, vehicles and other basic needs.

Why it matters: - The verdict sends another warning to credit bureaus about the cost of inaccurate reporting under the Fair Credit Reporting Act. - The case shows how a mixed credit file can quickly translate into denied loans, housing barriers and other real-world harm. - The jury also required Experian to pay Garcia Delgado’s legal fees, increasing the financial impact of the case.

What happened: - Ronald Alexander Garcia Delgado, represented by Consumer Justice Law Firm, won a unanimous $95,000 jury verdict against Experian Information Solutions, Inc. in the U.S. District Court for the Eastern District of Texas. - The lawsuit involved Experian’s handling of Garcia Delgado’s credit file after he immigrated to Texas from Venezuela. - The case number is Ronald Alexander Garcia Delgado v. Experian Information Solutions, Inc., Civil Action No. 4:24-cv-00637 (E.D. Tex. 2026).

The details: - Garcia Delgado alleged that Experian combined his credit information with negative accounts belonging to his son. - The two had personal information that differed significantly, including 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. - Neither Equifax nor TransUnion made the same matching error. - Garcia Delgado’s lawyers argued that Experian failed to follow reasonable procedures to assure maximum possible accuracy under the FCRA. - The error led to multiple lending denials that cut off Garcia Delgado’s access to credit. - Consumer Justice Law Firm said the case required working through Spanish and English interpreters for Garcia Delgado and several witnesses. - The firm said it also had to build the case before a rural Texas jury. - Consumer Justice Law Firm is headquartered in Scottsdale, Arizona, with local offices throughout the U.S. and nationwide coverage.

Between the lines: - The case suggests that credit-reporting mistakes can have outsized consequences for immigrants who are still learning the U.S. credit system. - The verdict also highlights how jury trials can expose failures in automated matching systems that may be missed by consumers until they are denied credit. - James Ristvedt, managing attorney and trial counsel at Consumer Justice Law Firm, said Garcia Delgado was denied credit while trying to obtain a vehicle, furniture and housing-related necessities after arriving in the United States. - Ristvedt said the errors kept Garcia Delgado from starting a new life with his family and that the credit system was completely foreign to him.

What's next: - The case closes with a verdict and an order for Experian to pay damages and legal fees. - Consumer Justice Law Firm said the matter reinforces the need for fair treatment of consumers and accountability for corporations. - The firm’s website is More information.