Lillie M. Middlebrooks v. Experian Information Solutions, Inc.
Opinion
Trial Court Opinion
I. Background
A. Facts The following facts are drawn from the original Complaint in this action (“Compl.”) (Dkt. 1-1), brought by Plaintiff Lillie M. Middlebrooks (“Plaintiff”). This is an action against Defendant for violations of the Fair Credit Reporting Act (“FCRA”).
Plaintiff alleges that Defendant violated the FCRA when it “failed to adopt and follow reasonable procedure to assure maximum possible accuracy” of Plaintiff’s
CIVIL MINUTES – GENERAL
Case No. SA CV 20-01332-DOC-ADS Date: November 27, 2020
Page
Experian credit report and credit score. Compl. ¶ 95–116. Plaintiff’s allegations center around hard inquiries by Sacor Financial, Inc. that now appear on Plaintiff’s credit report and which Plaintiff contends are “innacurate.” Id. ¶ 18–19. On our around February 17, 2017, Plaintiff alleges that she disputed these hard inquiries with Experian. Id. ¶ 24–28. Plaintiff saw a subsequent reduction in her credit score that resulted in difficulty obtaining a satisfactory home mortgage loan in 2018. Id. at 81–83.
B. Procedural History i. The Prior Proceedings Plaintiff has filed two prior lawsuits related to the dispute over the hard inquiries by…