Document the 'damages' this citizen has suffered.

Find the most expensive house possible, make an offer, allow the lender to refuse based on this faulty record. Record every name, title and number.

Then call an attorney.

Be aware, timing is crucial. When or if this faulty record will eventually disappear will be importer factors to consider.

Call Experian and provide proof.  Ask them if they can take this off his credit report.  Ask Experian what to do.

Easy one. Have him get his attorney to write a letter to Experian concerning this and have the attorney remind Experiean of the consequences if the file and record is not corrected.

I'll coat-tail Linda Guess , since she has the #1 answer I'd offer; I know when we do a title search for a PreLim, we discover things for our clients with the same name as someone else...cross information has occurred. They just go to the superior court Downtown and have them clear it up. I'd talk to your usual title company or possibly your usual buyers' lender you use, for advice. Last result would be an attorney.

Rain - I would have said to resolve the issue directly with Experian, but that sounds like what you have already done. Hope it gets resolved soon.

 Get the Bureau to expunge it.

Looks like you have some good advice here Rain, give Joe Petrowsky a call, he may be able to offer more advice.

Looks like an excellent case for a lawsuit for damages.

Have you looked at the BK filing to verify it wasn't included? Bankruptcy attorneys often throw in the kitchen sink when they do a filing. If you have the case #, you can go to www.pacer.gov and pull the filing yourself.

Or was there a bankruptcy at all??? If there was, you may be able to have a local broker knock out a credit correction (rapid rescore).

I remedy crazy items like this constantly...

Good luck dealing with the credit reporting agencies. You really have to stay on top of them to make sure that are doing their jobs.

The first thing is to get help to straighten out the issue....It is costing him more on all kinds of fronts

I have had the the title company clear this up for me...

Dispute it with Experian. Escalate the matter and stay on it until it is resolved.  A good title officer and lender make excellent resources to help resolve matters like this. At least that has been my experience with credit reporting issues.

Ask the mortgage servicer "supervisors" to provide evidence of the situation, so it can be addressed with Experian.  Check if other credit companies registered it the same way and forward docs to them, if needed.  If Buyer met with lender upfront, he should have known this and addressed prior to even viewing homes.  He has work to do.

My money is on challenging the item with Experian through a lawyer.

Your client will need report and clean up their credit report.

Clear the cloud title before waisting your effort.

Question 1: Was there a BK? If so, how long ago?
Q2: What does buyer's lender suggest?

call the credit reporting company and you can work it through them to remove it.... if you have the proper proof....credit reports frequently have incorrect information... it just to be corrected via the credit bureau and they will!!

I was going to suggest contacting Experian and getting an attorney if needed to get this corrected. Maybe also check wtih a title company to determine true status and provide documentation

The supervisors acknowledge Experians misinformation but can only say they are sorry? Ask them to show you how sorry they are by sending you a letter to this effect and also include in the letter that the information cannot be changed. If supervisors cannot ( or will not) do this escalate the issue to a manager and higher if the Mgrs cannot help you. Its the squeaky wheel ,that gets the oil. Be persistant.

Once you have this all you need is a good Atty. to work his /her magic.

Contact Experian to dispute the incorrect info. Maybe the previous owner filed for bankruptcy? Might be good idea to use attorney since a bankruptcy was supposedly involved.