Gomon

Frank Gomon appeals from a summary judgment entered against him in his action against TRW, Inc. Although he raises a plethora of arguments, the primary issue is whether TRW impermissibly disclosed “a consumer report” or a “consumer credit report” on him, as those terms are defined in the Consumer Credit Reporting Agencies Act (Civ. Code, § 1785.1 et seq., hereafter CCRAA) or the Fair Credit Reporting Act ( 15 U.S.C. § 1681 et seq., hereafter FCRA). We hold TRW did not and, accordingly, affirm.

Facts

TRW is a consumer credit reporting agency operating under the CCRAA and the FCRA. TRW provides access to credit information to creditors and other authorized users who are referred to as “subscribers.”

Each time a subscriber accesses TRW’s database, it is recorded in the consumer’s credit file as an “inquiry.” Most subscribers seek a full credit history. The information TRW provides in response to these inquiries is known as a “credit report.” In other cases, authorized users receive only limited address and/or employment information, which is called an “IDV” inquiry. That is what happened here.

All consumers are entitled to receive a written disclosure from TRW of the…