Grigoryan
Grigoryan v. Experian Information Solutions, Inc.
Opinion
Lead Opinion
Morrow, J.
ORDER GRANTING IN PART AND DENYING IN PART DEFENDANTS’ MOTION FOR SUMMARY JUDGMENT
On October 8, 2013, Gevork Grigoryan filed this action against Experian Information Solutions, Inc. (“Experian”), Equifax Information Services, LLC (“Equifax”), and Trans Union, LLC (“Trans Union”) (collectively, “defendants”), alleging violations of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq., and the California Consumer Credit Reporting Agencies Act (“CCRAA”), California Civil Code § 1785.1 et seq. 1 On November 7, 2014, defendants filed a motion for summary judgment. 2 Grigoryan opposes the *1049 motion.
I. FACTUAL AND PROCEDURAL BACKGROUND
A. Factual Background
The facts are, for the most part, undisputed. 4 Experian, Equifax, and Trans Union are each “consumer reporting agencies” as defined by the FCRA and “consumer credit reporting agencies” as defined by the CCRAA. 5 The parties’ dispute concerns five credit accounts or trade lines that Grigoryan contends appeared inaccurately on credit reports compiled by defendants.
The creditor on two of the accounts was Bank of America (“BOA”). 7 The first account was a mortgage on a rental property Grigoryan owned for the…