Tran
Fern Tran v. Portfolio Recovery Associates, LLC
Opinion
Trial Court Opinion
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA SAN JOSE DIVISION 6 FERN TRAN, Case No. 5:25-cv-08846-BLF
Plaintiff,
ORDER DENYING MOTION FOR
v. JUDGMENT ON THE PLEADINGS
PORTFOLIO RECOVERY ASSOCIATES, [Re: ECF No. 8]
LLC,
11 Defendant. 12 Before the Court is Defendant Portfolio Recovery Associates LLC’s (“Portfolio’s”) motion for judgment on the pleadings pursuant to Federal Rule of Civil Procedure 12(c). ECF No. 8 (“Mot.”); ECF No. 9 (“Reply”). Pro se Plaintiff Fern Tran has not filed an opposing brief. The motion is suitable for decision without oral argument; the hearing set for March 26, 2026, is VACATED. See Civ. L.R. 7-11(b). The motion is DENIED. I. BACKGROUND On September 12, 2025, Ms. Tran filed her complaint against Portfolio, alleging violations of the Fair Credit Reporting Act (“FCRA”) and the California Consumer Credit Reporting Act (“CCRAA”) for failure to investigate. ECF No. 1-1 (“Compl.”). Portfolio removed the…