Aiyedun

I. INTRODUCTION

18 Plaintiff Adesola Aiyedun brings this action against Defendant Reign Recovery 19 Services, Inc. (“RRS”) for violation of the Federal Fair Debt Collection Practices Act 20 (“FDCPA”) and California’s Rosenthal Fair Debt Collection Practices Act (the 21 “Rosenthal Act”). (First Am. Compl. (“FAC”), Dkt. No. 12.) RRS failed to appear 22 and defend, and Aiyedun now moves for default judgment. (Mot. Default J. (“Motion” 23 or “Mot.”), Dkt. No. 48.) For the reasons discussed below, the Court DENIES 24 Aiyedun’s Motion.2 25 26 1 On August 13, 2025, the Court dismissed Autocred, Inc. in light of Aiyedun and Autocred’s Joint 27 Stipulation for Dismissal. (Dkt. No. 43.) RRS remains as the sole defendant in this action. 2 After carefully considering the papers filed in support of the Motion, the Court deemed the matter appropriate for decision without oral argument. Fed. R. Civ. P. 78; C.D. Cal. L.R. 7-15. II. BACKGROUND Aiyedun purchased a 2007 Jaguar X-Type (the “Vehicle”) from non-party Carfluent, Inc. (FAC ¶ 10.) Aiyedun executed a loan agreement (the “Contract”) to facilitate the…