Experian Illegally Reported Medical Debt Incurred by Children, Class Action Alleges

According to a new class action complaint, credit reporting company Experian incorrectly reported that a Louisiana woman owed money for medical treatment when her parents made the debt when she was still a child.

McKay Crews et al., v. Experian Information Solutions, Inc.

In December, McKay Crews filed a class action lawsuit against Experian Information Solutions, Inc. in a federal court in California, alleging Fair Credit Reporting Act violations.

Crews claims that Experian has been incorrectly reporting to her credit report that she has a $392 on a medical debt reported to it by Paramount Recovery Systems.

However, Crews asserts that Experian is aware she was born in 1999 and thus should have recognized she was a child at the time the debt was incurred.

The plaintiff lacked the ability to contract or be liable on this debt because she was a minor at the time this medical debt was incurred, the lawsuit said.

Rather than that, Experian continues to report on the plaintiff’s credit report this obligation — incurred by the plaintiff’s parents while she was still a minor.

According to Experian Minors’ Debts Class Action Lawsuit, Experian does this because it lacks adequate policies and procedures to avoid reporting debts incurred when a consumer was still not of legal age and legally incapable of contracting.

Indeed, Crews asserted in the lawsuit, Experian does not consider a consumer’s date of birth when determining whether to report a particular account on a consumer’s credit report.

Charges Against Experian

Credit reporting companies such as Experian are mandated by the Fair Credit Reporting Act to have procedures in place to make sure that the maximum possible accuracy and a substantial amount of the information they provide should be accurate.

Crews asserts that, in addition to the report’s inaccuracies, Experian has failed to provide an effective system for consumers to request the removal of false information from their reports.

In addition, she is seeking to represent anyone residing in Louisiana who had a credit report compiled by Experian in the last two years that has a balance incurred of medical services performed when the individual was a minor.

She is seeking monetary damages, an injunction, attorney’s fees, and costs, as well as a jury trial.

Editor’s Note on Experian Minors’ Debts Class Action Lawsuit:

This article informs you about a lawsuit filed against Experian over illegal credit debt reports. We also suggest you read the Midland Credit Management Collection Letters Case. 

Case Name & No.: McKay Crews et al., v. Experian Information Solutions, Inc., Case No. 8:21-cv-02103

Jurisdiction: U.S. District Court District of California Southern Division

Allegations: Experian incorrectly reported debts incurred by minors.

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