Renie Guimond v. Trans Union Credit Information Company

INTRODUCTION

Renie Guimond (“Guimond”) appeals the district court’s grant of summary judgment in favor of Trans Union Credit Information Co. (“Trans Union”) on her claims under the Federal Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 , and the California Consumer Credit Reporting Agencies Act (“CCRAA”), California Civil Code § 1785.1 et seq., alleging that Trans Union failed to correct inaccurate information in a consumer credit report and failed to disclose the source of the inaccurate information. Guimond also appeals the district court’s award of attorneys’ fees to Trans Union. Both parties seek fees on appeal. We AFFIRM in part, REVERSE in part and REMAND.

BACKGROUND

Trans Union is a consumer credit reporting agency which maintained a consumer credit report for Guimond. Trans Union does not dispute Guimond’s recitation of the facts. Instead, Trans Union claims that liability cannot be predicated on those facts as a matter of law.

In October of 1989, Guimond became aware of and notified Trans Union of certain inaccuracies contained in her credit report. Specifically, the report incorrectly indicated that she was married, listed a social security for this…