Unfortunately, the facts of this case were not unusual.  The plaintiff, Jason Dennis, had been denied a loan.  After pulling his credit report, he discovered that Experian had erroneously reported a court judgment against him.  Mr. Dennis contacted Experian in effort to correct the erroneous report, but Experian refused to make the correction. 

A Boston-based consumer advocacy group known as U.S. PIRG conducted a survey in 2004 which found that almost one-third of all credit reports contain errors which are serious enough to result in the denial of employment, insurance or credit.