Wes Johnson VS Wells Fargo Home Mortgage Inc. et al.,

Filing 264

MEMORANDUM DECISION AND ORDER. ORDERED that the arbitrator's award of $5,410 in damages for foreclosure fees in connection with the Fessenden property is vacated, and the remainder of the arbitrator's award is confirmed. ORDERED the court enters judgment in favor of Plaintiff Wes Johnson, and against Defendant Wells Fargo Bank, N.A., in the amount of $720,308.11. LET JUDGMENT ENTER ACCORDINGLY. Signed by Magistrate Judge Robert A. McQuaid, Jr on 8/17/2011. (Copies have been distributed pursuant to the NEF - DRM)

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, nc ?
t e r 462 3
1 O 2d. r
25
26

3
As heNi t cic t e ,lc o t ma lov c t a r st t r 'o lt l ra ina.. t
t
n h r uinot d Eq urs yas a a e wa d ha a ec mp eeyir to l. .
wih
r s c t t c nta t,'bu W el Fa g di notmo t va a et a r ont t ounds t dic so i
e pe t o be o r cEl' t ls r o d
'
ve o c t he wa d ha gr
o he s us in s

27 c i d t t m a f tdir g r s a r . Johnson,635 F. at41 n.lo,
onfne o he nil s e a d t nda d
3d
4
28

5

,

I

*

.

.

i

1 2
006)the c ur s ul c im a a r i ç:a g . und f t a bir t , de ii c n be
t o t ho d onfr n wa d f r
o
f
or he r t a ors cson a

.

5

2 i ered fom t f t oft c e'.
nf r r he acs be as '
)

3

,

1 1 m scuskl
1.
ox

4 A . W ELLS FAA G O DID N OT W A W E I RI H T TO V A CA TE TH E AW A R D
TS G

5

Cont ar o Pl ntf ar
r yt ai ifs gum ent, elsFar di notw ai isrghtt vac e, odiy,or
W l
go d
ve t i o at m f

6 c r e tt a bir to a r ( cDo .# 21 1 -2, . 22 a 2 4..TheNf h Cic t
o r c he r ta i n wa d. Se c
4 11 Doc # 1 t - )
nt r ui

7 rj de t sv y c t n i fndi W el Fa g ' c uns ls a e hi i e t o j c a t
ee d hi er on e ton, i ng ls r os o e t t d s nt nt o b e t t he
8 tl
e ephoni s a tsc er
c t tz onf enceon t m oton t confr .Johns 635 F. a 41 n. 9.M a
he
i o
im
on,
3d t 3
9 r s t W elsFar i note t
e ul , l
go s
s opped f om m aki s h an ar enta t stm e.
r
ng uc
gum
t hi i
.

1 B. RELI CE ON A CON SUM ER QEPORT I PROW D I LESS FAVOQARLE
0
AN
N
NG
11 CRED I TER M S
T

1
2

W e l Far ar
ls go guest a
he ward ofdam a f t Er W ay pr
ges or he na
oper y,de ems i cr t
t cr e n edi

1 lnes andf ecos ef esw% i pr
3 i ,
or l m e
m operbeo us eawar
eo
ddoesnotspeci alyr ert c edi
fc l ef oa r t

1 r por hatwmsr leduponbyal
4 e tt
ei
enderi ext ngPl ntf es f a ec edi er s.(
n endi ai i fl s avor bl r tt m Doc.
1 # 21 a 4- Doc.#21 ) '
5
O t 5,
5.
1
6

Pl ntf onc st
ai ifc ede hatt ar t at ' awar doe nots i aly r f enc acons er
he bir ors
d s
pecGc l e er e
um

1 r
7 epor , ar
t but guest anyexplctori plctfndi nec s yf t a d ofdam a ar
hat
i i m i i i ngs es ar or he war
ges e

1 a s e t bei s
8 s um d o n uppo t ft a r ( c # 2 a 1 - 5.
r o he wa d. Do . 58 t 1 1 )
l
9

Thear t at snotr r oexpl nt ra i l orhi a ar Se
bir ori
equiedt
ai he tona ef
s w d. eBos k, F.
ac 586 3d

20 at1 04.I ot wor , he ar t a orwasnotr r t m akes ii writ fndi t t
1
n her ds t
bir t
equi ed o
pecfc ten i ngs ha

21 a c edi r
r t epor was r i on by a l
t
eled
enderi awar ng dam âges f t Er W a pr
n
di
or be na y oper y,
t
22 dec eas i c edi lnes,and awar off ec os e f . The ar t àt acknowl
r e n r ti
d or l ur ees
bir or
edged he was

2 bo by a1pro de ii ns o t c ' a tl c ts cfc ly f und t tt r c v r
3 und
1 i r cso f be oul, nd fe our pe iia l o
t
ha o e o e
24 dam a sundert FCRA.Pl ntf ts s
ge
he
, ai ifm l t how t eac t ans ton a i s i ved t ts
hat h r ac i t s ue nvol
he le

2 o a c ume r po'. ( .# 1 a 1 ) The c ul c n tl r f r i e t tt a bir t r
5 f ons r e z Doc 53 t 7.
t
o ' a le e o e nf r ha be r t a o
t
26 conc udedac um err
l
ons
eport i vedi aki hedam agesawar
was nvol nm ngt
dundert FCM .The
he
27 f iur oft ar t at t r f r e an e i tfndi ofr i
a l e he bir or o e e enc
xplci i ng elance on a c edi r
r t epor doesnot
t
28

6

.

.

'

4

.

1 w ar
rantvacatur.

.

'

2 C. AD R T
ATIC AN D ER NA W AY PRO PERTI
ES

3

.

Fis , el Far c le
rt W ls go halngest ar tat ' a dof$5, 0i damagesf or l ur
he bir ors war
41 n
orf ecos e

4 fe r lt d t t Adra i Ave pr ry ( c # 21 a 5 7. S cfc ly, el Fa g
e s ea e o he itc nue ope t. Do . o t - ) pe iial W ls r o
5 ar s t t Adr a i pr
gue hat he
i tc opery w a an i t entpr rt owmed by a lm ied labiiy
t s
nves m
ope y
i t i lt

6 c
ompany,and anyf pai r l edt t tpr t wer f abusnes pur e.Ld.at7.
ees d eat o ha opery e or
i s pos l
)
7
Thear tat a dedt $5, 0i damage orf ecos e i onnec i wiht
bir or war he 41 n
sf or l urefes nc
ton t he

8 Fc s ndc pr ry, tt Adra i pr pe t ( c # 2 0- I A)a 8. W e l Fa g i
s c n ope t no be itc o ry. Do . 1 1 Ex. t ) ls r o s
9 c r tt tt c ' pr ousy r ed t tbeca u e t Fes enden pr r y was oumed by
or ec ha he ouz evi l ul ha
t
ts he s
ope t
10 Por l R. , Pol l R. pai t f esms at wih t spr 'y, hi s ii s
tand E.and t and E. d he e
soci ed t hi opel t s pecfc um
t

11 wasnotr over eunde t FCM .(
ec abl
r he
Doc.#1 at21 22. Thear t at r ogniedt he
53
- )
bir or ec z hat

1 wa boundb t sc tsr lnglmii c i r to o da ke t Plitf' lse a a
2 s
y hi our' ui i tng onsde ain f ma s o an il o s s s
s
1 c um e .( #21 1( A)at3, )Thear t a ore s ci alyr ogniedt c s
3 ons r Doc. 0- Ex.
6.
bir t ven pe fc l ec z he oud'
1 nti ha hel t ee
4
lngt tt a ef sandcos son r nt pr
t
e al operteswer
i
ebus ne r l t pr c udi ec y
i ss e a ed, e l ngr over

1 o da g sunde t FCM .@d.a 3. The e or ,nt si t nc ,ti ce rf o t r c r
5 f ma e
r he
t ) r f e i hi ns a e i s l a r m he e o d
1 t tt ar t a orr ogni e el w gover ngt FCM , di egar
6 ha he bir t ec
z dG a
ni he
and sr dedt l bym al
he aw
dng
l an awar ofdam agesdes t t f c t tt courtexplcty r ed Pl ntf c d notr over
7
d
pie he a t ha he
i il ul
ai if oul
ec

1 t $541 i da a e f f e l ur lt f q on t Fe s nde pr ry. The e or , hi
8 he , 0 n m g s or or cos e a e e s he s e n ope t
rf e t s
1 pol on oft ar t a orsawar s
9
ti
he bir t '
d houl be vacat
d
ed.
20

.

Sec
ond, e l Far ar
W ls go guest e denc s
àe d
e howedt Er W ay dam agesc ai i r at
he na
l m s el ed

21 t ac m me ca pur s an i n r c ve a l unde t FCRA.( . 21 a 7.
o o
r il po e d s ot e o r b e
r he
Doc # O t )
22

Thear t at oundi a
bir orf
twhiel eEr
l
naW aypr
opeo wu t hni lyls ed% abusi s
ec o l it
nes

23 pr
oper y,i wmsac ua l a r i
t t
t ly esdencet twasused by Pl ntf m ot and s epf her who
ha
ai ifs
her
t at ,

2 r sde i i r ntfe .( . 21 1( A)a 8. W el Fa g i a gu ngt tt ar t a or
4 e i d n t e r e Doc # 0- Ex. t ) ls r o s r i ha he bir t
25 m ade an er ori i er etngt f t ort l w i conc udi t spr
r n nt pr i he ac. he a n
s
l ng hi opqr .!w asa consum er
tr
26 pr
oper y and nota bls nes pr
t
z i s oper y. Thi i notm anies dir d oft l and t e i
t
és
f t s egar
he aw,
her s

27 no bas st vac t t spor i oft awar
i o a e hi
ton he
d.
28

7

.

. .

*

.

1 D . CR ED I CAR D S
T
2

W els Far di agr w ih t ar e at ' fndi t Pl ntf' cr di lm is w er
l
go s ees t he bi ors i ng hat ai ifs e t i t
.
e

3 d c e s d a ar s to t lt m a lsW el Fa go r pore t t CRAS ( c # 21 a 8.
e r a e s e ul f he a e rc ls r e t d o he
. Do . O t )
4 W elsFar pr desl t sf om Bank ofAm el c and Pr di and cont ndst es a ih
l
go ovi et er r
'a
i
ovi an
e
hey t bls
5 t tW elsFar sr
ha
l
go' epor sofl t paym ent pl ye no r e i t r
t
ae
. a d
s
ol n he educ i ofPl ntf ' c edi
ton
ai ifs r t

6 lmis (d.Ex.D a Fx. )
i t. 1 ,
nd , E.
7

W e l Far hasnotes a i hedt tt ar t a orkne and di r gar
ls go
t bls
ha he bir t
w
s e dedt l i t s
he aw n hi

8 ilt e.l t W e l Far m e e ya s t adk a e e
rs anc ns ead, ls go r l er s s gr em ntwiht
t hear ka orsi er e a i
bi t ' nt pr t ton

9 o t f c sa l w.Thelte f o Ba o Am e ia s cfc ly sa e ,fin r a hi our
f he a t nd a
el r r m nk f
rc pe i al t t s f q e c ng
g
1 decsi wer lèdoni er li or aton msw e l nf m a
0
i on, e i
nt na nf m i
l asi or doni econs ercr & tr pol
nl
um
e e '
t

l o t fr tpe s n da v ' ( . 21 Ex.D. Thelter r Pr v d a sa e ,fwq
1 f he is r on ame bo e. Doc # O
'
)
et f om o i i n t t s f e
l
1 r ei d c edi i or a i fom Tr uni Cons erRel i .' (d. atFx. E. The
2 ec ve r t nf m ton r
ans on
um
atons.. f
'
a )
1 ar a a orcol dha onc ude atwhiei ecr i t- dcom pani s dedadi donz r sors
3
bi t
vec l dG
l
e
es% e
em l
1 f de e i Pl i ifscr di lm is t r w ms a ca allnk be ween t dec s on and t
4 or cr msng a ntf
e t i t , he e
us i
t
he i i
he
1 i orm aton r
5 nf
i epodedt t Cl sbyW e l Far Si pl
o he G
ls go. m ybeca l et ar t a ordi notcom e
ts he bir t
d

l t t c l i W elsFar woul have pr e r fc.t tl decr ei Pl ntf c edi
6 o he onc us on
l
go
d
ef r ed, . , hat le
ems n ai ifs r t
1 lm iswasnotr l t o W e l Far sc
7 i t
e a edt
ls go' onduc , snotm eant t ar t a ordir ded
t doe
hat he bir t
s egar

1 t l Tbls, he e i nobassf vac i t spor i oft ar t a orsawar
8 he aw. z t r s
i or atng hi
ton he bir t '
d.
1 E. W ELLS FAA GO ' LT I TY U N D ER TH E FCR A
9
S AR LI

20

W e l Far ar s t
ls
go gue hat t ar t at f l t m ake fndi
he bir or aied o
i ngs r di t
egar ng he

21 r ona enes ofisi tga i (
eas bl s t nvesi ton. Doc.# 21 at9- 2. l t d, el Far c endst
o
1 ) ns ea W ls go ont
hat
22 t ar t at onl dicus ed t i s i i i br
he bir or y s s he nve tgaton n oad s r
t okes and i pr
,
m opery appled a
l
i

2 g ne a ne lg nc sa r nfnd ngt i si to unr a ona l .(d. t1 . W el Fa g
3 e r l gi e e t nda di
i he nve tga i n e s b e 1 a 1) ls r o
24 m ai ai a t olowe er r enà ofi eFcM e
nt nsi ti f l di equiem
achdm ei ec vednodcegom aCM
tr ei
25 t
hatpl ntf wmsdiputngadebt andt
ai if
s i
,
hear t at aiedt m akefndi uppoG ngla lt
bir orf l o
i ngss
i biiy

26 f e eementoft s a ze.(d.a 1-1 )
or ach l
he t tt I t 1 2.
t
27
28

Pl i ifm ai ai hear t a orsa d m us s andbecausee r
a ntf
nt nst
bir t ' war
tt
r oneotsf t lndi
u ac ual
ngs
8

l o mia lc tono t 1w dono prvi aba i i rrle .( c # 2 a 1 )I a ton
r s ppiai f he a
t o de ss o eif Do . 58 t 6. n ddii ,
2 he a gtes t ar t at di m a a f m alsndi t W e l Far di not condud a
r z he bir or d ke ac
ng hat ls
go d

3 r asonabl i tgaton.@d.
e
e nves i i
)
4

'

M t c texpl ned above,t ar t at i notr qui e t expl n t r i ef
he our
ai
he bir or s
e rd o
ai he atonal or

5 hi awar Bos k,586 F. a 1
s
d. ac
3d t 096. l t sc e t a bi r ors touta det l s m ar
n hi as , he r t at e
aied um
y
6 of hef c ss r
t a t ur oundi bediput andspeci lr onc ude a elsFar si dga on
ngt
s e,
se lc l dG tW l
go' nves d
.

7 wa unr ona e,nadequa e, untmel undert pr vi onsoft FCRA.( #21 1
s eas bl i
t and i y
he o si
he
Doc. 0-

8 ( A)a 4- )Thea bir t rwm not e uie om a s cfcf c ua fnd ng r ga d ngt
Ex. t 6.
r t a o s r q r dt ke pe ii a t l i s e r i he
9 r as
e onabl soft i tgaton, w a notr r t di us t i s i i i m or
enes
be nves i i and s
equi ed o sc s he nve tgaton n
e
1 t whatW elsFar t r sf oad s r
0 han
l
go e m f
br
t okes. W elsFar hmsnotshour t t ar t at
'
' l
go
n hat he bir or
1l knew t a undert FcM and c et i ei.Atm os W el Far m akesan ar l ent
hel w
he
hos o gnor t
t, ls go
gtm
1 t t ar t at knew t 1 undert FCM and m i appled i.M iapplca i oft l
2 hat he bir or
he aw
he
s i t s
i ton he aw
1 orf si i uo c entt va e an ar t a awar
3
act s ns
i
o cat
bir l
d.

1 F. EM O TI NA L DISTRESS D AM AGES
4
O

1
5

W e l Far cont
ls go
ends t ar t a or e r i awar ng em otonaldit es dam ages
he bir t r ed n
di
i
sr s

1 beca e:() Pl ntf f l t lnk t e damagest t use ofa c
6
us 1 ai if aied o i hos
o he
onsum e c edi r
r r t eport

1 c nt i i r a ol c e t nf ma
7 o a n ngde og t r dii or dongo W el Fa g ( l h m o
m ls r o; z t ee dona dite sd m a s
l s r s n ge
1 we ee ieyar s l o Pli if busne sdo tln; 3 t a bir t s d no ha e e
8
r ntr l e u t f a ntf s i s wn t ( ) he r t a or houl t ve v n
r
1 c i ed em otonaldit es dam ages bec e t onl c ai bef e hi was an aleged
9 onsder
i
sr s
aus he y l m
or m
l

20 vi atonof heFCM ; ( Pl ndf' ownsat
ol i t
and 4) ai fs
t ement ei uK centt s
swer ns i o uppor ana d
t war

21 o e ina dite sda a e . Do . 2 a 1 1 )
f moto l s r s m g s ( c # 47 t 4-5.

2
2

Pli ifc e st tW el Fa gone ro jce t t a r o e to ldites
antf ountr ha ls r
ve b et d o he wa d f moina srs

23 damagesa ar taton ori isorgi m ovi paper . (
t bir i
n t i nal
ng
s Doc.# 258 at1 ) l addii he
5. n
ton,
' 24 ar est
pz hathedi es es
dpr entt dmonyc er ngi ei
onc ni
mpac
tofhi nabii t uppodhi a iy.
si ll os
sf

2 (d.
5 Ij
2
6
I a r ngPl i tf Sl oooi e o i na dite sda ge ,hea bir t rsa e ha
n wa di a n if oo, n m to l s r s ma s t r ta o t t di t
27 Pl ntf e tse c er ng t har t ne tvecom m ent W e l Far t ans il t t
ai ift s i d onc ni he m he ga i
s ls go r m ted o he
28

9

.

I .

*'

.

.

l CRM hado hi busne s hi homelf , sr l ton hi ui. hi wiea hi he lh.( c #
n s i s, s
ie hi ea i s p t s f nd s at Do .
h
2 21 1I ,.A)a 8.
0- Fx
t )
3

Fi s ,t c tcannotconc ude t tt a bir or m anies l di r gar t 1 i
r t he our
l
ha be r t at
f ty s e ded he aw n

4 a r nge to l kesda g s ous fi aldt i heda g st o ume
wa di mo ina is s ma e be epandffie olnkt ma e oac ns r
5 cr t r
edi epor . As t c tf
t
he our ound above,t ar t a or i not r r t pr de a f l
he bir t s
equied o ovi
ul
6 expl i ofhi awar Bec et ar t a orde er i W elsFar vi a ed t FCRA.
anaton
s
d. aus he bir t
t m ned
l
go ol t he
,

7 and awar dam ages i i r as
ded
, t s e onabl f t c ' t i ert he f
e or he oult o nf hat
ound a lnk bet
i
ween
8 Pl ntf' dam agesand ac um e c edi r por c ai ng der or i or aton r por ed
ai ifs
ons r r t e t pnt ni
ogat y nf m i e t
9 by W elsFar
l
go.
.

1
0

Sec
ond, n e i ngt em otonaldit e dam agesa ar t c tca
i xam ni he
i
s r ss
w d, he our nnotconc ude,
l

11 asW elsFar doe t tt em otonaldi t es dam age w e e entr l a r stl ofPl ntf'
l
go s, ha he
i
sr s
s r
i e y e lt
ai ifs
1 bus nessdownt n.Thear t at peclc l r er
2
i
ur
bir ors i aly ef enced Pl ndl st s onyconcer ngG e
ai
e dm
ni
1 har G enegauvecom m enà hadonhi
3
m
shom elf hi r a
ie, s el ionshi t swie,
pwihhi f andhi
shea t
lh.

1 ( c # 21 1( A)a 8.
4 Do . 0- Ex. t )
1
5

Thid,W e l Far sar
r
ls go' gum entt t ar t at coul note consi an em otonal
hat he bir or
d
ven
der
i

16 dit es dam agesc ai i una lng bec ue hecoul r overem otonaldit e sdam agesas
sr s
l m s vaii
ats
d ec
i
srs
1 a e em entofhi act dam ages Em otona di t es i an e em entofdam ages and nota
7 n l
s nal
.
i l sr s s
l
,
l s par e ca eofac i
8 e at us
ton.
1
9

Fi ly, elsFar sar m entt heawar hoi dbevao t
na l w l
go' a
hatt
ds
edbeo us Pl ntf' own
e ai ils

20 s a em ent w e e i uE c entt s
tt
. r ns i
s
o uppor an awar ofem otona dit es dam ages i e l
t
d
i l sr s
s qualy
21 una lng.W elsFar r leson Cous ' t. Tr Uni Cow , 6F. 3 ( t Ci.2 )
vaii
l
go e i
i 7 ans on
n
24 3d 59 5 h r 001,

2 t uppo thi r m e t ( . 2 11 )The e t Fitl r ui c s dG er quie e t
2 os
r t sa gu n . Doc # 47a 5. r ,he fiCic t&s us e
e rm n

2 o pr f f tz ln ur or na r f e a or m o i na dite si a a tonbr ug un r
3 f oo o ac t i j yf a wa do m nt l e to l s r s n n c i o ht de
a
2 42U. C. 1
4
S. j 983.I a 3 (ia i nso it d) TheFi b Cic ts a e ' e r quie f
d. t 71 ct to m te .
f r ui t t d,ç y e r s a
t
car
25 de ee ofspeci iy whih m a i l c r
gr
fct
c
v nc ude or obor i t tm ony orm edi orps hol cal
atng es i
cal
yc ogi

26 e denc i suppor oft damagea d.'f ( r cor added) Ther t court ocused
vi e n
t he
war ' d. unde s e
'
:
e, he
f

2 onies o f e dmon
7
c peo iets
ysve r eplidfz di t a t o r bortngts
nbli an but dno s yia c ro ai edmon
y
28

yo

'

*

o

I J

.'*

.

.

:
:

1 was r r as W e l Far s
equied,
ls go ugges s. fd. l por anty,whie t Ni h Cicui hms no
t
m
t l
l he nt r t
t
.

2 ex iil
plctyaddr s
es edwhatt
ypeofe qdenc snec s
A
ei e sanros
t uppod = awr dofe otonal s r s
m i dit es
3 dam age undert FCM ,i ot rc ex s,thasde lned t f l t Fit Ci c tsm or
s
he
n he ont t i
ci
o olow he fh r ui'
e

4 s n e trq e n or mo
e g n e lrme uf e Honz dite sda g s S ezh t. rc nGe sef ds
sr s ma e . e ang ?Ame ia m aoo ,
5 339F. l
3d ozo, o ( t Ci.
l 4o 9 h r 2003 (
) upho &nge dona dama e ba e l e dm o )
l
mo
l
g s s don yont s ny ;
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8 N i h Ci c tagr t hepl ntf t tm onyal can bes ci oes a ih em ot onal
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(ee tn hehodng
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2 n
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1 G.W M VER O F TH E ESCROW ACCOUNT REQI IREM EN T
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r

1 oft l wai t rghtt r quiean i poundacc
6
he oan ved he i o e r
m
ounton Loan 55.( # 21 a 1 )
Doc. o t 2.
1
7

W e l Far f l t poi out wher i t r ord i i e dent t t t ar t t
ls
go ais o nt
e n he ec
t s vi
ha he bira or

l r cogni ed t applc el and i ed i. I t
8 e
z be
i abl aw
gnor t ns ead,i m er l dr
t
e y aws a c l on t t
onc usi hat he

1 ar t at er ed msa m at erofl Thi i notm anies di r d oft l w .
9 bir ùr r
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f t s egar
he a
20 H . A ' O R N E' S FEES
I
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21

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ls go w ha
S. j o( ( ,he bir t
eededhi powe sby
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r

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os s or s aied
i nce l m ,
he

23 onl aut iyt ar t at ha t a dcos. andf waspur uantt t FCM .( #
y hort he bir or d o war t
s
ees
s
o he
Doc.

2 21 1 1 ,Do . 2 a 2 21) W el Far a s c nt dst tPl i tf s tl no r c e
4 O 3- 6 c # 47 t 0- . ls go lo o en ha a n if hold t e ov r
l

25 fes= dc c beo u ei e
e
os
yredipr
s opoY onat ot bi orsawar ( #21 at1 1 )
et hear aat ,
d. Doc. o 3- 6.

26 Fi ly,i ar
nal t guest tt f r
ha he ees equesed by Pli ifar i lt d.ç at1 1 )
t
antf e nfa e ld. 5-6.

2
7
28

P a n if s ers i e ildt na r al ne f e a os s de t Fcl a
l i tf a s t he s ntte oa wa dof tor fs e s ndc t un r he u nd
1
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l t F.A.( #258a 1 )Hezs ont G ear Da orf
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ac
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t
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3 @d. Fi l heas ert t tt ar t a or' decson on t sis wasnotir i s ast
) naly,
s s ha he bir t s ii
hi s ue
ratonal o o

4 c tt ema f s dir g r o t l w, nd t r f r mts ta (d.a 1 1 )
onsim
nie t s e a d f he a a he e o e lt t nd. I t 6-7.
5

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bir or
de ai if 069.5 n oss, i ha
l go
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6 o j c i nt hea o o c s s o ht ypl i tf.( . 21 1I .B)a 1 )Thea bir t
b e to ot m unt f o t s ug b a n if Doc # 0- Ex t 3.
r t a or
7 al awar Pl ntf ator sf i t am ountof$427, 96.(d. l awar ngf s,
so
ded ai if t ney' ees n he
738. f ) n
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8 t ar t at s a ed:
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9
1
0

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bir or es ha hi l
esed ii i assd or
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nvol hous
up s.
blr t s
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elt o s ovsr obl
bira or

q j no e t ! v nt ght a un o r c ve yl ls t nt a t ne e s
lo t s ha e e hou he mo t f r o r s e s ba he tor yf e ,

l
1

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1
2

t a de m i m tss .
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1
3

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1
4

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1
5

oft ne lgencec e ofac i and t pl l ifwasenttedt t tt wat r
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aus
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il o es he e s
ast t ot f r c esofac i
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l
6
17

( # 21 1( B)a 1 )
Doc. 0- Ex. t 3.

.

Pr lmi rl snc el F g
ei na iy,i eW ls ar oidno o j c oi ea bir t rsa r c t zhec ur
t b e tt
r t a o ' wa dof oss t o t
ai if
c nfr t a r i tl a
o ims he wa d n le mounto $3706q.5i f vorofPl ntf.
f , 1 na
.

1
8

W i. r pec ot f es,ti undi put t
t es tt he e i s
h
s ed hatt FCRA c ai wmst onl m aterbe or
he
lm
he y
t f e
1
9

t ar t a or and a part who i s es f li an ac i br
he bir t ,
y
s ucc s u n
ton oughtundert FCI A i entted
he L s il
20

f r c ve c s sa r a o b e al ne ' f e . Se 1 U. C. l n( )3) 1 o( )2)
o e o r o t nd e s na l tor ys e s e 5 S. jj 681 a ( , 681 a ( .
21

Ther f e,i i t c
e or t s he ou/' vi t tt ar t a ordi note d hi pow e si aw a di f
s ew ha he bir t
d
xcee s
r n
r ng ees
22

undert FCRA. Howe r t c ' m us det m i wbe hert ar t a orexc
he
ve , he oul
t
t er ne
t
he bir t
eeded hi
s
23

power i awar ng Pl ntf t ent r j ofhi f .
sn
di
ai ' f he ietr
i
s ees
24

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l he
a l s ha lor s ee e
ec
abl
l
25

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k r t46IU. 42 429(983 ,e sma wrde m s toaie-hYngsa es h
S. 4, 1 )fe ybea
dp ur t e s i
tmt uc

26

a t FCRA.Sc St ont.Bo i g Co.32 F. 938, 65( t Ci.2003 ( ia i nsomitd)
s he
c at 7 e n
, 7 3d
9 9h r
) ct to
te
27

28

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a

+

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1 (od s a me h d i g ne al t c r e tme bod f r c lul tng fe unde a f e s itng
l e t r t o s e r l he o r c t
y
o ac a i e s
r e - h fi

2 sa u e ;U. l. St
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d l . f z /,
i
2d 00, 03 9 . r 97 Ct ton
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te . e ry sa ls sts n ildt n war f to ne s e s ' ) e i or
(
4 t
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s rc court ode er i
t t m newhat e s'ea
f ei r sonabl 'ff nslp,
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aw, eas bl t ne s ees e
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lp.
s
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7 r ona ef i de er i dby m uli yi T henum berofhour r ona yexpe
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tpl ng t
t
s eas bl
nded ont
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8 lhga
i don'by'ar ona ehom l a e. H e l y, U. at433.Sec
' ' eas bl
yr t ' ns e 461 S.
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ond,hel
t odes aram ount
t

9 ma bea j t d ba e on a e l ton o t f c o sa tc a e i Ke r?. Sc c n Extas
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n vaua i f be a t r riult d n v J r c
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1 Guid I 526F. 67 7o ( t Ci. z 5) whih ha eno be n s bs e i t l de t r
0
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2 3d t 1 9 Ct ton mitd)
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ee
ac or o
onsi ed n hi se s ' es t bt ned'f t
t

1 Ke ,526 F. a 7O.W hi f t i partc aryc uci wher apl ndf sdeem ed d e lng'
4
rr
2d t
s ac or s
iul l r al
e ai fi
pr vaii
1 e t
5 ven hough he s c
uc eeded onl on s eofhi c ai sf re i 'N e ep,461U. a 434.
y
om
s l m or lef' nsl
S. t

1 W e l Far r
6
ls go eque t a r duc i oft f e awar t t i o ac
s s e ton he e
d o ake nt counthour ex nded i
s pe
n

1 c nne tonwih t o he ca msa s tdt twe edimis d ons
7 o c i t he t r l i s ere ha r s s e
umm a yj men .
r udg t
1 Unde N enscp,t s de er i i i m adeby a w e i two ques i
8
r
l hi t m naton s
ns r ng
tons:' r t di t
' s , d he
Fi
1 pl ntf ai t pr lon c ai st wer unr l t t t c ai son whi b he s eeded?
9 ai iff l o evai
l m hat e e a ed o he l m
c
ucc

20 Sec
ond,di t pl ntf ac e a l velofs ce t m akest hour r
d he ai if hive e
uc ss bat
he
s easonabl
y
21 e
xpended a s if t y bassf m aki a f awar ' H ensl 461U. at424.
ats ac or
i or
ng ee
d.
'
ey,
S.
22

I appear t ar t at ans ed no t t fr tque ton. Cl m sar r l ed i ' hey
t
s he bir or wer
o he is
si
ai
e e at f '
t

2 ivoveac
3 n l ommonc eo fc.o a eba e onrltdlg lhe is' Th s'.Ci o
or f a t r r s d eae e a t ore . oma t @ f
s
'
)
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4
oma, o F. 6 6 ( t Ci.2005 (n e na quo a i omit d) Thecam s
4l 3d 44, 49 9 h r
) i t r l t tons te .
li
25 as er ed by Pl ntf
s t
ai ifwer al c eary r l ed,ars ng f om t s ecom m on c e s toff t .
e 1 l l e at
ii r
he am
or e
ac s
26

The ar t at appear t have ans e t s
bir or
so
wer d he econd que ton i t aë r atve.Fr
s i n he
m i
om

27 t ar t at ' c m ent ,i i r ona et i ert thedet m i Pl ntf hi ved a
he bir ors om
s t s eas bl o nf ha
er ned ai ifac e
28

1
3

. u I .
ï

,

.

1 l velofsuc s t tm adet hour r as bl e
e
ce s ha
he
s e ona y xpende a sa if t y bassf m a ngt
d
ts ac or
i or ki he
2 f awar ' rei no pr i rul orf m ul f m a dng t e det m i i 'H e ey,
ee
d. '
The s
ecse e or a or l
hes
er natons.' nsl

3 4 U. a 434.G c ul ne e s rl ha dsr toni ma ngt se uia l j me .
6l S. t
The o ' c sa iy s icei n ki hi q tbe udg nt'
t
'
4 1 at436- Pr
d.
37. opori lt i nott t t Scef a 435 n. 1 .
tona iy s
he es .
d. t
1
5

The ar t a orc l
bir t onc uded t tt s ac i i ve pr r t ltga i and f
ha hi ton nvol d ot ac ed ii ton,
ound

6 t tt r ul wasc tai y m or t dem i m i The courtcannotconc udet
ha he es t
el nl
e han
ni s.
l
he
7 ar t at exce
bir or
eded t s
he cope ofhi power i awar ng Pl ntf t ent r am ountoff s.
s
sn
di
ai if he ie
ee

8 Thi i nota ca e wher t r or i c e t tt ar t a ordi r gar d t l ,
ss
s
e he ec d s l ar ha he bir t
s e de he aw but
9 i t ad,i i a c e wher t ar t at w aswihi hi di r t on i det m i ng Pl ntf
ns e t s as
e he bir or
t n s sc e i n er ni
ai if
1 wasentted t t entr awar off .
0
il o he i e
d ees

11

.

Next whie t am ountofdam agesawar d m a be com pa ed t t am ountoff
, l he
de
y
r o he
ees

1 s
2 ought af e awar i notr quied t be pr
, e
ds
e r o
opor i
tonalt t am ountofdam agesr over d.
o he
ec
e

1 Se M c
3 e cown v Cfpo
. t fFont 565F. 1 1 1 ( . Ci.2009 ( 4, 2.6i fe
ana,
3d 097 104 9t r
h
) $5 01 7 n e s
1 awar d wher dam agesr over wer $1 000)
4
de
e
ec ed e 5, .
1
5

Fi l W elsFar scl m t tPl ntf f esar i l ed wasaddr sed att
naly, l
go' ai ha ai ifs e
e nfat
es
he

1 hear ng on t sm oton.W e l Far ar
6
i
hi
i
ls go gued t tt ar t a i wasc pl t d f t t e
ha he bir t on
om e e or p br e

1 daysaf e t notceofle i t scms wasfl and i wmsi r i lt ms um ePl ntif
7
t r he i
i n n hi e
ed,
t
r atona o s
ai f

1 c ul h v i ur e $26 000 i f e fom t tm et l n wa fld t ou ar t a in.
8 o d a e nc r d 5, n e s r he i he i
e s i hr gh bir to
e
1 (
9 Doc.# 247a 23. Att bearng,Pli ifsc
t ) he
i
antf ounse r pr ent d t t $265, le
l e es e hat he
000 in
20 fl f t t e daysbef ' ar t ton wasnotbms on f esi ur ed i t sc e.
ied or y hre
or bira i
e
ed
e nc r n hi as
21 Tber f e,t sar entappear t be m oot
e or hi gum
so
.
22

I . CON CLU SI N
V
O

23

I IS HEREBY ORD ERED t tt ar t a orsawar of$5, 0 i dam agesf
T
ha he bir t '
d
41 n
or

24 f ecos ef esi c
or l ur e n onne ton u1. t Fes ende pr r y i vac e and t r ai
ci
t: he s
1
n ope t s at d,
he em nderof
25 t ar t at ' awar i c im e
he bir ors
d s onfr d.
26

I IS SO O RD ER ED .
T

27

Thec ur e e sj gme i fvorofPli tf W e Jo on, nd a a ns De e n
o t nt r ud nt n a
an if s hns a g i t fnda t

28

1
4

j t . -'
j ,
d

.

.

1 W el Far Bank,N. ,i t am ountof$720, 1 .
ls go
A. n he
308.1
2
3

LET JU D G M EN T EU ER A CCO RD I G LY .
N
.

4

DA TED : ugus k 201
A
t 7, 1
5

6
.

UNI
TED STATES M AGI
STRATE JU DGE

7

8
9

-

l
0
11
12
13

.

14

l
5
1
6
'

17

1
8
l
9
20
2l
22
23

24
25

26
27
28

15