Thompson

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

KENAN THOMPSON, Case No. 24-cv-08904-VC

Plaintiff,

ORDER RE MOTION TO DISMISS

v. Re: Dkt. No.

EQUIFAX,

Defendant.

Equifax’s motion to dismiss is granted with leave to amend. This order assumes the reader’s familiarity with the facts, governing legal standards, and arguments made by the parties. Inaccuracies. Thompson adequately alleges that his credit report was inaccurate because three bank accounts (two Navy Federal accounts and one Discover account) were reported as charged off when they were paid in full. He also adequately alleges that two Discover accounts were listed as authorized user accounts even though they were his individual accounts. For each of these accounts, Thompson provided the bank account’s last four digits. However, Thompson fails to state a claim with respect to his credit utilization data. He alleges that his credit utilization data was reported inaccurately, but he does not provide any detail about what the report said about his credit utilization, nor does he explain why that reporting was inaccurate or misleading. Reasonableness of Equifax’s Procedures. Credit…