Zavala

UNITED STATES DISTRICT COURT EASTERN DISTRICT OF CALIFORNIA 10 OMAR ZAVALA, No. 2:20-cv-02276-TLN-DB Plaintiff, v. ORDER TRANS UNION, LLC, et al., Defendants. 16 This matter is before the Court on Defendants Trans Union, LLC (“Trans Union”), Equifax Information Services, LLC (“Equifax”), and M&T Bank’s (collectively, “Defendants”) Motion for Judgment on the Pleadings. (ECF No. 18.) Plaintiff Omar Zavala (“Plaintiff”) filed an opposition (ECF No. 20), and Defendants replied (ECF No. 24). For the reasons set forth below, the Court GRANTS Defendants’ motion. /// /// /// /// /// /// 28 I. FACTUAL AND PROCEDURAL BACKGROUND1 This matter arises from Plaintiff’s dispute over the reporting accuracy of his loan account balances. (ECF No. 1 at 4–6.) Plaintiff alleges he had a mortgage loan with M&T Bank. (Id. at 3.) Plaintiff alleges he eliminated the debt from this account, bringing the current account balance to $0, on August 14, 2018. (Id.) Plaintiff…