Jacob Lee Reeder v. Trans Union LLC, et al.

I. BACKGROUND

On May 16, 2025, plaintiff Jacob Lee Reeder (“Plaintiff”) filed a complaint against defendants Trans Union, LLC (“Trans Union”), Bank of America, N.A., and Does 1-10. (Dkt. No. 1.) Plaintiff filed a First Amended Complaint on August 8, 2025. (“FAC,” Dkt. No. 18.) Defendant Trans Union filed an answer to the FAC on August 18, 2025. (Dkt. No. 20.) Subsequently, Defendant Bank of America filed a Motion to Dismiss the First Amended Complaint on August 29, 2025. (“First MTD,” Dkt. No. 21.) Plaintiff filed an opposition on September 15, 2025. (Dkt. No. 22.) Defendant filed a reply on September 22, 2025. (Dkt. No. 22.) The Court granted the First MTD on October 10, 2025. (“Order,” Dkt. No. 30.)

On October 24, 2025, Plaintiff filed a second amended complaint. (“SAC,” Dkt. No. 31.) Plaintiff asserts thirteen causes of action under the Fair Credit Reporting Act (“FCRA”): (1) violation of 15 U.S.C. § 1681c(f); (2) violation of 15 U.S.C. § 1681e(b); (3) violation of 15 U.S.C. § 1681g(a); (4) violation of 15 U.S.C. § 1681a(1); (5) violation of 15 U.S.C. § 1681i(a)(2)(A); (6) violation of 15 U.S.C. § 1681i(a)(4); (7) violation of 15 U.S.C. § 1681i(a)(5)(A); (8)…