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Fourth Circuit Vacates $12M FCRA Class Action Judgment Against Experian

The Fourth Circuit Court of Appeals recently vacated a $12 million judgment against Experian Information Solutions, Inc.. The class action alleges violations of the Fair Credit Reporting Act (FCRA), claiming the plaintiff lacked constitutional standing because he did not suffer “concrete” injury. In the lawsuit, the plaintiff argued that Experian’s decision to list a defunct credit card company, rather than the debt’s servicer as a “source of information” was in violation of the FCRA. The district court certified a class and granted summary judgement in favor of the plaintiff. On appeal, however, it was determined that the plaintiff was not able to establish a concrete injury sufficient to satisfy Article III standing and the court vacated the judgement.

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