⚖ Oral Arguments, with Context

The Fourth Circuit considers Eric Keller's claims that Experian mishandled a dispute about his credit report. Keller says his bank, Truist, mistakenly marked his car loan paid off and refused further payments, then reopened the account and reported him as delinquent. He disputed the reporting with Experian, which sought verification from Truist, and Truist confirmed its reporting. Keller says the unresolved delinquency prevented him from obtaining a mortgage. He sued under the Fair Credit Reporting Act, which generally requires credit bureaus to reasonably reinvestigate disputed information. The district court dismissed his individual claims, treating the dispute as one about his legal obligations to the bank. It later dismissed his proposed class claim for lack of standing, finding no adequate link between his mortgage injury and Experian's delay. You'll hear tradelines: the individual account entries in a credit report. Keller will argue Experian could investigate contradictions in its own files. Experian will contend it was not required to decide the underlying legal dispute with Truist.

Eric Keller v. Experian Information Solutions, Inc. (No. 25-2294) — U.S. Court of Appeals for the Fourth Circuit, argued October 29, 2026.