Sarver v. Experian Information Solutions
United States Court of Appeals for the Seventh Circuit
390 F.3d 969 (2004)
- Written by Sean Carroll, JD
Facts
Lloyd Sarver (plaintiff) applied for a loan at a bank. The bank obtained Sarver’s credit report from Experian Information Solutions, Inc. (Experian) (defendant). The credit report indicated that some of Sarver’s accounts were in bankruptcy. Unbeknownst to Experian, this information was incorrect. The bank denied Sarver’s loan application as a result. Sarver sued Experian for violation of the Fair Credit Reporting Act (FCRA). An Experian witness stated that in producing credit reports, the reporting agency gathered information from about 40,000 sources, and that the agency fielded millions of account inquiries from lenders every day. The agency operated a complex database connecting information to each individual consumer. The district court granted summary judgment for Experian. Sarver appealed.
Rule of Law
Issue
Holding and Reasoning (Evans, J.)
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