Messano
Messano v. Experian Info. Solutions, Inc.
Opinion
Lead Opinion
Gilliam, J.
ORDER GRANTING DEFENDANT EQUIFAX’S MOTION TO DISMISS
Re: Dkt. No.
Pending before the Court is the motion to dismiss filed by Defendant' Equifax, Inc. (“Equifax”). Dkt. No. 27 (“Mot.”). Plaintiff Lisa Messano alleges that Equifax violated the Fair Credit Reporting Act (“FCRA”). Dkt. No. 1 (“Compl.”). Plaintiff filed an opposition to Equifax’s motion to dismiss, Dkt. No. 41 (“Opp.”), and Equifax replied, Dkt. No. 46 (“Reply”). Having considered the parties’ submissions, the Court.finds the matter appropriate for decision without oral argument. See Civil L.R. 7—1(b). For the reasons set forth below, the Court GRANTS Equifax’s motion to dismiss with prejudice in part'and with leave to amend in part.
I. BACKGROUND
A. Factual History
For purpose of this motion, the Court accepts the following facts as true.
On February 9, 2012, Plaintiff pulled a credit report from third-party vendor CIN Legal Data Services (“CIN”). Compl. ¶¶ 87-88. The credit report from CIN was compiled from information gathered by the three major credit reporting agencies (“CRAs”): Experian Information Solutions, Inc. (“Experian”), Equifax, and TransUnion, LLC (“TransUnion”).- Id. ¶89. This credit report…