Lazar

Background

A. Factual Summary

This is an action by Plaintiff Dr. Gary S. Lazar (“Plaintiff’) against Defendant TRANS UNION LLC, formerly known as TRANS UNION CORPORATION and doing business as TRANS UNION CREDIT INFORMATION COMPANY (“TUC”) for violation of 15 U.S.C. § 1681e(b), violation of 15 U.S.C. § 1681i(a), breach of contract as a third party beneficiary, and violation of California Business and Professions Code §§ 17200, et seq.

The following facts are alleged in the First Amended Complaint (“FAC”):

On or about April 17, 1990, Plaintiff sought a credit line increase on his First Card VISA credit card, account number 4673-633-701-966, from First Card, a credit card bank. See FAC, 1111. At this time, he learned that the credit report prepared and issued by TUC to First Card contained inaccurate information. See id. Plaintiff was unable to *667 obtain the credit increase that he requested. See id.

On or about July 23, 1990, Plaintiff called and wrote to TUC and requested a copy of his credit report. See id. at ¶ 12.

On or about July 28, 1990, TUC prepared and issued a consumer report to Plaintiff which contained inaccurate information. See id. at ¶ 13.

On or about August…