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

A Texas jury awarded Ronald Alexander Garcia Delgado $95,000 after finding Experian’s credit reporting errors caused him to be denied credit after immigrating from Venezuela. The case highlights how inaccurate bureau data can block access to housing, vehicles and other essentials.

Why it matters: - A unanimous jury verdict put a dollar figure on the damage inaccurate credit reporting can cause when it blocks access to everyday necessities. - The case underscores how a credit bureau error can affect housing, vehicle purchases and other lending decisions. - Experian was also required to pay Garcia Delgado’s legal fees.

What happened: - Ronald Alexander Garcia Delgado, represented by Consumer Justice Law Firm, won a unanimous $95,000 jury verdict against Experian Information Solutions, Inc. - The case was filed in the United States District Court for the Eastern District of Texas. - Garcia Delgado is a Venezuelan immigrant who lives in Texas. - The lawsuit said Experian combined Garcia Delgado’s credit file with negative accounts belonging to his son. - The two men had dates of birth 24 years apart. - The verdict came after a trial before a rural Texas jury.

The details: - Consumer Justice Law Firm argued that Experian failed to follow reasonable procedures to ensure maximum possible accuracy under the Fair Credit Reporting Act. - 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 mistake, according to the trial record described in the release. - Garcia Delgado was denied credit multiple times after the reporting error. - The denials cut off his access to credit. - Consumer Justice Law Firm used Spanish and English interpreters for Garcia Delgado and several witnesses during trial. - The firm said it had to navigate those language issues while building its case in front of the jury.

Between the lines: - The case shows how a single mismatch in bureau data can cascade into broader financial harm. - The result also suggests juries may be receptive to claims that credit reporting mistakes are not just technical errors but consumer injury. - James Ristvedt, managing attorney and trial counsel at Consumer Justice Law Firm, said the trial showed the real-world consequences of inaccurate credit reporting. - Ristvedt said Garcia Delgado was denied credit for a vehicle, furniture and housing-related necessities after immigrating to the United States from Venezuela. - Ristvedt said Experian’s errors kept Garcia Delgado from starting a new life with his family while he tried to understand the U.S. credit system.

What's next: - Garcia Delgado’s case is identified as Ronald Alexander Garcia Delgado v. Experian Information Solutions, Inc., Civil Action No. 4:24-cv-00637 (E.D. Tex. 2026). - Consumer Justice Law Firm said the verdict reinforces accountability for corporations and fair treatment for consumers. - More information is available on the firm's website.