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9th Cir. Says FCRA Plaintiff Complaining About Post-Discharge Reporting of Auto Loan Failed Art. III Standing Requirements

by Scott J. Hyman |

In Hogue v Silver State Schools Credit Union, the Court of Appeals for the Ninth Circuit affirmed dismissal of an FCRA case due to lack of Article III standing. First, Hogue has not shown actual harm to his concrete interests. The district court found that “no third parties made an adverse credit decision as to [Hogue] based on this disputed… Read More

District Court (Nev.) Says Reporting of BK Was Accurate under FCRA

by Scott J. Hyman |

In Ku v. Trans, No. 2:18-CV-1714 JCM (BNW), 2020 U.S. Dist. LEXIS 27474 (D. Nev. Feb. 18, 2020), Judge Mahan ruled against an FCRA Plaintiff alleging inaccurate reporting of a bankrupt account. Unsurprisingly, information in a consumer report is inaccurate if it is patently incorrect. Carvalho, 629 F.3d at 890. Even if information is "technically accurate," however, it may be… Read More

District Court (Az.) Says Consumer Report Was Not Inaccurate Because Trade-Line Failed to Report Bankruptcy Discharge When Consumer Report as a Whole Reported the Discharge

by Scott J. Hyman |

In Zemelka v. Trans, No. CV-18-04179-PHX-SMB, 2019 U.S. Dist. LEXIS 91207 (D. Ariz. May 31, 2019), Judge Brnovich dismissed an FCRA claim against a CRA arising from bankruptcy reporting due to the absence of an inaccuracy. Plaintiff has two claims against Defendant Trans Union. The first is a clam under 15 U.S.C. §1681e(b) and the second under 15 U.S.C. §1681i.… Read More

District Court (Cal.) Cites Kim v. BMW, and Says Bankrupt FCRA Plaintiff Had Art. III Standing to Assert FCRA/CCRAA Claim Against Credit Union

by Scott J. Hyman |

In Hernandez v. Certified Fed. Credit Union, No. CV 18-10448-CJC (JEMx), 2019 U.S. Dist. LEXIS 79020, at *6-9 (C.D. Cal. May 9, 2019), Judge Carney allowed an FCRA claim to proceed despite a challenge to Plaintiff's Article III standing. Plaintiffs have alleged a sufficiently "concrete and [*7]  particularized" injury. Under the FCRA and CCCRAA, a credit report or credit information is… Read More

9th Circuit Says Bankrupt Debtors Complaining About the Reporting of their Bankrutcy Lacked Spokeo Standing

by Scott J. Hyman |

In Jaras v. Equifax Inc., No. 17-15201, 2019 U.S. App. LEXIS 8743 (9th Cir. Mar. 25, 2019), the Court of Appeals for the Ninth Circuit addressed the Article III standing of bankrupt debtors complaining about how their bankruptcy was reported on their consumer report. In holding [in Spokeo, Ed.] that the plaintiff did have standing, we emphasized that  the inaccuracies in… Read More

District Court (Nev.) Says Mortgage Company Did Not Lack a Permissible Purpose under the FCRA to “Soft” Pull a Consumer Report Post-Bankruptcy Discharge

by Scott J. Hyman |

In In re Ocwen Loan Servicing LLC Litig., No. 3:16-cv-00200-MMD-WGC, 2019 U.S. Dist. LEXIS 25968 (D. Nev. Feb. 19, 2019), Judge Du found that a mortgage company had a permissible purpose to ‘soft’ pull a consumer report post-bankruptcy discharge.  The facts were as follows. Plaintiffs are Christopher Marino, Henry L. Farrin, Jr., Joshua E. Hardin, Kristen Hardin, Dionne Horton, Deonca… Read More

District Court (Cal.) Finds CRA Neither Willfully Nor Negligently Reported Plaintiff’s Post-Bankruptcy Status; Confirms that FCRA Affords No Injunctive Relief; Limits Recovery for Negligent Violation

by Scott J. Hyman |

In Gadomski v. Equifax Information Services, Inc., 2018 WL 2096862, at *4–6 (E.D.Cal., 2018), the District Court found that no willful violation of the CRA could lie absent prior notice that the information was inaccurate or that the information came from an unreliable source.  Here, Defendant does not dispute that the information reported on Plaintiff’s credit report was inaccurate. (See ECF… Read More

District Court (Cal.) Finds Creditor’s Bankruptcy Reporting Was Not Inaccurate Under the FCRA

by Scott J. Hyman |

In Keller v. Experian Information Solutions, Inc., 2017 WL 130285, at *6–8 (N.D.Cal., 2017), Judge Koh dismissed a FCRA plaintiff's argument that her creditor's reporting of an account during bankruptcy was inaccurate. Experian and Wells Fargo argue Plaintiff's FAC must be dismissed because Plaintiff fails to identify any inaccurate or misleading statements in Plaintiff's credit report. In response, Plaintiff argues… Read More

District Court (Nev.) Says Post-Chapter 13 Reporting of Debt Was Not Improper

by Scott J. Hyman |

In Riekki v. Bayview Financial Loan Servicing, 2016 WL 4083216 (D. Nev. 2016), Judge Mahan found that post-Chapter 13 discharge credit reporting of a debt was not improper. Plaintiff argues that defendant furnished an inaccurate credit report in violation of the FCRA. (ECF No. 29). Plaintiff alleges that the report is inaccurate because defendant reported a debt on plaintiff’s delinquent… Read More

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