Gardner v. Capital One Bank USA et al
REPORT AND RECOMMENDATIONS re 8 Motion for More Definite Statement filed by Trans Union LLC. Signed by Judge Susan Hightower. (cc3)
Case 1:22-cv-00759-RP Document 10 Filed 01/17/23 Page 1 of 3
IN THE UNITED STATES DISTRICT COURT
FOR THE WESTERN DISTRICT OF TEXAS
CAPITAL ONE BANK USA,
TRANS UNION LLC, EXPERIAN
INFORMATION SOLUTIONS, and
EQUIFAX INFORMATION SOLUTIONS,
Case No. 1:22-CV-00759-RP
REPORT AND RECOMMENDATION
OF THE UNITED STATES MAGISTRATE JUDGE
THE HONORABLE ROBERT PITMAN
UNITED STATES DISTRICT JUDGE
Before the Court is Defendant Trans Union LLC’s Second Motion for More Definite Statement
and Memorandum in Support, filed October 26, 2022 (Dkt. 8). By Text Order entered the same
day, the District Court referred the Motion to this Magistrate Judge for a report and
recommendation, pursuant to 28 U.S.C. § 636(b)(1)(B), Federal Rule of Civil Procedure 72, and
Rule 1(d) of Appendix C of the Local Court Rules of the United States District Court for the
Western District of Texas (“Local Rules”).
Plaintiff David Gardner alleges that after his residential mortgage loan was denied, he obtained
a copy of his consumer credit report “and discovered incomplete, inaccurate, false, [and]
fraudulent information furnished by Defendant Capital One Bank USA.” Amended Complaint
(Dkt. 7) ¶ 14. Plaintiff alleges that he contacted Defendants Trans Union LLC, Experian
Information Solutions, and Equifax Information Solutions to dispute some of the information
contained in his credit report. Id. ¶ 15. Plaintiff alleges that these Defendants failed to note the
“statement of dispute” in his credit report. Id. ¶ 19. Plaintiff filed this lawsuit on July 27, 2022,
Case 1:22-cv-00759-RP Document 10 Filed 01/17/23 Page 2 of 3
alleging that Defendants failed to ensure that his credit report contained accurate information, in
violation of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681. Dkt. 1.
On August 29, 2022, Trans Union filed its first Motion for More Definite Statement, arguing
that Plaintiff’s Original Complaint violated the pleading requirements of Rule 8(a). Dkt. 4. After
Plaintiff filed an Amended Complaint (Dkt. 7), the District Court dismissed as moot Trans Union’s
first Motion for More Definite Statement. See Text Order entered October 24, 2022.
In its Second Motion for More Definite Statement, Trans Union again argues that Plaintiff has
failed to meet the pleading requirements of Rule 8(a). Trans Union contends that Plaintiff’s
Amended Complaint “once again only makes generalized and conclusory statements that are
insufficient to notify Trans Union as to the basis of his claims,” Dkt. 8 at 1, and that Plaintiff fails
to specify what allegedly was inaccurate as to his Capital One accounts. Trans Union asks the
Court to compel Plaintiff to file a more definite statement of his claims against Trans Union.
Under Local Rule CV-7(d)(2), Plaintiff’s response to Trans Union’s Motion for More Definite
Statement, a nondispositive motion,1 was due November 2, 2022. Plaintiff has not filed a response.
Because no response was timely filed, the Court may grant the motion as unopposed. Id.
Accordingly, the undersigned recommends that the District Court grant Trans Union’s Motion for
More Definite Statement as unopposed.
The undersigned Magistrate Judge RECOMMENDS that the District Court GRANT
Defendant Trans Union LLC’s Second Motion for More Definite Statement (Dkt. 8) as unopposed
under Local Rule CV-7(d)(2). It is FURTHER ORDERED that this case be REMOVED from
the Magistrate Court’s docket and returned to the docket of the Honorable Robert Pitman.
See Griffin v. CitiMortgage, Inc., No. 3:09-CV-40-JTC-AJB, 2009 WL 10712111, at *3 n.1 (N.D. Ga.
May 15, 2009).
Case 1:22-cv-00759-RP Document 10 Filed 01/17/23 Page 3 of 3
The parties may file objections to this Report and Recommendation. A party filing objections
must specifically identify those findings or recommendations to which objections are being made.
The District Court need not consider frivolous, conclusive, or general objections. See Battle v.
United States Parole Comm’n, 834 F.2d 419, 421 (5th Cir. 1987). A party’s failure to file written
objections to the proposed findings and recommendations contained in this Report within 14 days
after the party is served with a copy of the Report shall bar that party from de novo review by the
District Court of the proposed findings and recommendations in the Report and, except on grounds
of plain error, shall bar the party from appellate review of unobjected-to proposed factual findings
and legal conclusions accepted by the District Court. See 28 U.S.C. § 636(b)(1)(c); Thomas v. Arn,
474 U.S. 140, 150-53 (1985); Douglass v. United Servs. Auto. Ass’n, 79 F.3d 1415, 1428-29
(5th Cir. 1996) (en banc).
SIGNED on January 17, 2023.
UNITED STATES MAGISTRATE JUDGE
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