Credit reporting agencies like Experian are required by federal law to verify the information they use to rate an individual’s credit.  A case in California has said Experian was negligent in not correcting information on an individual’s credit report.  The consumer complained about an erroneous entry on his Experian report for four years.  During that time the agency did nothing to fix the error.  Suit was filed and the court found Experian was negligent in not fixing the mistake.  The LA Times reports that the appelate court which heard the case found Experian’s conduct so bad that they ruled liability was not an issue and the case was remanded solely for the purpose of damages.  Huge victory for consumers.