Stewart v. Experian Information Solutions, Inc. et al
Filing
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ORDER GRANTING 18 DEFENDANT CAPITAL ONE'S MOTION TO DISMISS THE COMPLAINT WITH LEAVE TO AMEND. Signed by Judge Beth Labson Freeman on 1/13/2016. (blflc1, COURT STAFF) (Filed on 1/13/2016)
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UNITED STATES DISTRICT COURT
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NORTHERN DISTRICT OF CALIFORNIA
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SAN JOSE DIVISION
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CYNTHIA STEWART,
Case No. 15-cv-04617-BLF
Plaintiff,
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v.
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EXPERIAN INFORMATION SOLUTIONS,
INC., et al.,
Defendants.
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ORDER GRANTING DEFENDANT
CAPITAL ONE’S MOTION TO
DISMISS THE COMPLAINT WITH
LEAVE TO AMEND
[RE: ECF 18]
United States District Court
Northern District of California
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Defendant Capital One Bank (USA), N.A. (“Capital One”) moves to dismiss Plaintiff’s
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complaint under Federal Rule of Civil Procedure 12(b)(6). For the reasons stated on the record at
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the hearing on January 7, 2016 and discussed below, the motion is GRANTED WITH LEAVE TO
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AMEND.
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I.
BACKGROUND
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Plaintiff has filed a form complaint containing boilerplate allegations arising from
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unspecified inaccuracies in her credit reports. Plaintiff claims that she gave the defendant credit
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reporting agencies notice of the inaccuracies, but they and the entities that furnished the inaccurate
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information failed to perform reasonable investigations or correct the inaccuracies. Plaintiff
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asserts claims under (1) the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681s-2; (2) the
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California Consumer Credit Reporting Agencies Act (“CCRA”), Cal. Civ. Code § 1785.25(a); and
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California’s Unfair Competition Law (“UCL”), Cal. Bus. & Prof. Code § 17200.
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II.
DISCUSSION
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Plaintiff’s complaint fails to meet the most basic pleading requirements. Federal Rule of
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Civil Procedure 8(a) requires that the complaint contain “a short and plain statement of the claim
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showing that the pleader is entitled to relief.” Fed. R. Civ. P. 8(a)(2). Federal Rule of Civil
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Procedure 12(b)(6) requires that the complaint “contain sufficient factual matter, accepted as true,
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to ‘state a claim to relief that is plausible on its face.’” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009)
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(quoting Bell Atl. Corp. v. Twombly, 550 U.S. 544, 570 (2007)). “A claim has facial plausibility
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when the plaintiff pleads factual content that allows the court to draw the reasonable inference that
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the defendant is liable for the misconduct alleged.” Id. As discussed in more detail below,
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Plaintiff does not identify with any particularity what inaccurate information appeared on the
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credit reports. Thus the complaint does not contain facts sufficient to put Capital One on notice of
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the claims against it or to show that Plaintiff is entitled to relief.
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Claim 1 is asserted under the FCRA, which is titled “Responsibilities of furnishers of
information to consumer reporting agencies.” 15 U.S.C. § 1681s-2. Section 1681s-2(a) does not
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provide a private right of action, so to the extent that Plaintiff asserts a claim under that section, it
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United States District Court
Northern District of California
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is subject to dismissal. See Nelson v. Chase Manhattan Mortg. Corp., 282 F.3d 1057, 1059-60
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(9th Cir. 2002). The FCRA does provide a private right of action under § 1681s-2(b) against a
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person who furnishes information to a credit reporting agency but fails to take certain steps when
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informed of a dispute regarding the completeness or accuracy of such information. See id. at
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1060; Littleton v. Experian Info. Sols., Inc., No. 15-cv-01619-EJD, 2015 WL 4638308, at *1 (N.D.
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Cal. Aug. 4, 2015). A plaintiff asserting a claim under § 1681s-2(b) must allege what information
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the defendant furnished to the credit reporting agency and why that information was incomplete or
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inaccurate. See Littleton, 2015 WL 4638308, at *2. Plaintiff has not alleged what information
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Capital One communicated to the defendant credit reporting agencies or why such information
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was incomplete or inaccurate.
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Claim 2 is asserted under § 1785.25(a) of the CCRA, which provides that “[a] person shall
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not furnish information on a specific transaction or experience to any consumer credit reporting
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agency if the person knows or should know the information is incomplete or inaccurate.” Cal.
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Civ. Code § 1785.25(a). Plaintiff has not alleged what information Capital One furnished to the
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defendant credit reporting agencies or that Capital One knew or should have known the
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information was incomplete or inaccurate.
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Claim 3 is asserted under the UCL. Plaintiff’s counsel stated at the hearing that Plaintiff
wishes to dismiss Claim 3 voluntarily.
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Accordingly, Capital One’s motion to dismiss is GRANTED as to all claims with leave to
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amend as to Claims 1 and 2.
III.
ORDER
(1)
Claims 1 and 2;
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(2)
Leave to amend is limited to the claims addressed in this order; Plaintiff may not
add additional claims or parties without express leave of the Court; and
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Capital One’s motion to dismiss is GRANTED WITH LEAVE TO AMEND as to
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Any amended pleading shall be filed on or before February 3, 2016.
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IT IS SO ORDERED.
United States District Court
Northern District of California
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Dated: January 13, 2016
______________________________________
BETH LABSON FREEMAN
United States District Judge
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