Jose Luis Calderon says he had the cash to buy a car, but he decided to get an auto loan so he could build up a credit history. It wasn’t until he was turned down that the 27-year-old Nampa man realized he already had a credit history – one he says belonged to somebody else.
Now Calderon is suing the credit reporting company Experian Information Solutions, saying he tried more than a dozen times in vain to get the company to remove incorrect and derogatory information on his report. Calderon says in the meantime he lost a chance to buy a home.
The lawsuit is expected to go before a jury in Boise’s U.S. District Court in December.
Experian spokeswoman Susan Henson says she can’t comment a pending case.
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