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’s (“Trans Union”), Equifax Information Services, LLC’s (“Equifax”), and M&T Bank’s (collectively, “Defendants”) Motion for Judgment on the Pleadings. (ECF No. 51.) Plaintiff Omar Zavala (“Plaintiff”) filed an opposition. (ECF No. 53.) Defendants filed a reply. (ECF No. 55.) For the reasons set forth below, the Court hereby GRANTS Defendants’ motion. /// /// /// /// /// /// /// I. FACTUAL AND PROCEDURAL BACKGROUND This matter arises from Plaintiff’s dispute over how Trans Union and Equifax reported the balance for his mortgage loan account with M&T Bank (“M&T loan”). (EFC No. 47 at 3–9.) Plaintiff alleges he paid off the M&T loan in full on August 14, 2018, but Defendants “continued to inaccurately report the account as…