1

UNITED STATES DISTRICT COURT

2 NORTHERN DISTRICT OF CALIFORNIA

SAN FRANCISCO DIVISION

3 ELETTRA MEEKS, JOSEPH DELACRUZ, Case No.: 3:21-cv-03266-VC 4

STEPHANIE LAGUNA, AMBER LEONARD,

5 and BECKY WITT, on behalf of themselves and others similarly situated, 6 [PROPOSED] ORDER PRELIMINARILY Plaintiffs, APPROVING SETTLEMENT AND 7 DIRECTING NOTICE TO CLASS v. 8

9 EXPERIAN INFORMATION SOLUTIONS,

INC.; MIDWEST RECOVERY SYSTEMS,

10 LLC; and CONSUMER ADJUSTMENT

COMPANY, INC.,

11 Defendants. 12

13 This matter comes before the Court on the Joint Motion for Preliminary Approval of Class 14 Action Settlement Agreement. (ECF No. _1_1__3__.) The Settlement Agreement has been filed with the 15 Court, (ECF No. _1_1_7_-_2_), and the definitions and terms set forth in the Settlement Agreement are 16 incorporated herein by reference. 17 The Court, having reviewed the Settlement Agreement entered by the Parties, hereby ORDERS that: 18 1. The Court has jurisdiction over the subject matter of the Litigation and over each 19 settling party. 20 2. The Court has conducted a preliminary evaluation of the Settlement as set forth in the 21 Settlement Agreement. As explained in Cotter v. Lyft, Inc., 193 F. Supp. 3d 1030, 1036 (N.D. Cal. 22 2016), the Court’s review of the Settlement at preliminary approval is not cursory, it is as rigorous as 23 will be conducted at the final approval stage. The Settlement Agreement entered between the parties 24 as of __J_u_n__e_ 1____, 2023 (ECF No. 1_1_7_-_2_), appears, upon preliminary review, to be fair, reasonable, 25 and adequate to the Settlement Classes. Accordingly, for settlement purposes only, the proposed 26 settlement in preliminarily approved, pending a Final Approval Hearing, as provided for herein. 27 1 The Rule 23(b)(2) Class 2 3. The Court has considered the proposed settlement of the claims asserted by a class 3 of consumers defined as follows (the “Rule 23(b)(2) Settlement Class”): 4 All persons located in the United States (1) for whom CACI contacted in an attempt to collect a debt or communicated credit information about to Experian, Equifax, 5 or Trans Union; (2) arising from a debt where the original creditor of the loan was 6 either Plain Green, Great Plains, or MobiLoans; (3) within one year prior to the filing of this action. 7 4. As to the Rule 23(b)(2) Settlement Class, the prerequisites to a class action under Fed. 8 R. Civ. P. 23(a) have been preliminarily satisfied, for settlement purposes only, in that: 9 a. The Rule 23(b)(2) Settlement Class appears to consist of more than 100 10 members that are geographically dispersed such that joinder of all members is 11 impracticable; 12 b. The Named Plaintiffs’ claims appear to be typical of those of the other members 13 of the Rule 23(b)(2) Settlement Class; 14 c. There appear to be questions of fact and law that are common to all members 15 of the Rule 23(b)(2) Settlement Class; and, 16 d. the Named Plaintiffs appear to be able to fairly and adequately protect the 17 interests of the Rule 23(b)(2) Settlement Class and have retained Class Counsel 18 experienced in consumer class action litigation who appear to be able to 19 adequately represent the Rule 23(b)(2) Settlement Class. 20 5. For settlement purposes only, the Court finds that the Rule 23(b)(2) Settlement Class 21 is preliminarily maintainable as a class action under Fed. R. Civ. P. 23(b)(2) because CACi’s conduct 22 is generally applicable to the Rule 23(b)(2) Settlement Class, so that final injunctive relief as set forth 23 in Section 4.3 of the Settlement Agreement is appropriate respecting the Rule 23(b)(2) Class as a 24 whole. 25 6. Because this portion of the Settlement is for injunctive relief under Fed. R. Civ. P. 26 23(b)(2), there shall be no ability for Rule 23(b)(2) Settlement Class Members to request exclusion 27 1 from the Settlement. All Rule 23(b)(2) Settlement Class Members shall therefore be bound by all 2 subsequent proceedings, orders, and judgments in this action. 3 The Rule 23(b)(3) Class 4 7. The Court has considered the proposed settlement of the claims asserted by the Rule 5 23(b)(3) Settlement Class, defined as: 6 All persons located in the United States (1) for whom CACI collected payment from a consumer; (2) in connection with an account where the original creditor of 7 the loan was either Plain Green, Great Plains, or MobiLoans; (3) within one year prior to the filing of this action. Excluded from the class are all persons who have 8 signed a written release of their claim, counsel in this case, and the Court and its employees. 9 10 8. As to the Rule 23(b)(3) Settlement Class, the prerequisites to a class action under Fed. 11 R. Civ. P. 23(a) have been preliminarily satisfied, for settlement purposes only, in that: 12 a. The Rule 23(b)(3) Settlement Class appears to consist of more than 100 members that 13 are geographically dispersed such that joinder of all members is impracticable; 14 b. The Named Plaintiffs’ claims appear to be typical of those of the other members of the 15 Rule 23(b)(3) Settlement Class; 16 c. There appear to be questions of fact and law that are common to all members of the 17 Rule 23(b)(3) Settlement Class; and 18 d. the Named Plaintiffs appear to be able to fairly and adequately protect the interests of 19 the Rule 23(b)(3) Settlement Class and have retained Class Counsel experienced in 20 consumer class action litigation who appear to be able to adequately represent the Rule 21 23(b)(3) Settlement Class. 22 9. For settlement purposes only, the Court finds that the Rule 23(b)(3) Settlement Class 23 is preliminarily maintainable as a class action under Fed. R. Civ. P. 23(b)(3) because it appears that 24 class treatment of these claims will be efficient and manageable, thereby achieving an appreciable 25 measure of judicial economy, and that a class action is superior to other available methods for a fair 26 and efficient adjudication of this controversy. 27 10. As to class membership, the Rule 23(b)(3) Class List is determinative. No individual 1 in the Rule 23(b)(3) Settlement Class unless such individual appears on the Rule 23(b)(3) Class List. 2 All Rule 23(b)(3) Settlement Class Members on the Class List shall be given the opportunity to opt 3 out of the Rule 23(b)(3) Settlement Class. Such a consumer may request to be excluded from the Rule 4 23(b)(3) Settlement Class by sending and not revoking a written request for exclusion to the Settlement 5 Administrator, sent to the address listed on the Rule 23(b)(3) Class Notice. To be valid, the proposed 6 Rule 23(b)(3) Settlement Class Member’s opt-out request must contain the proposed Rule 23(b)(3) 7 Settlement Class Member's name, original signature, current postal address, and current telephone 8 number, and a statement that the proposed Rule 23(b)(3) Settlement Class Member wants to be 9 excluded from the class of Rule 23(b)(3) Settlement Class Members. To be valid, opt-out requests 10 must be postmarked no later than ninety days after the Notice Date. To be valid, a request must not 11 purport to opt out of the class of the Rule 23(b)(3) Settlement Class Members for a group, aggregate, 12 or class involving more than one consumer. Requests for exclusions that do not substantially comply 13 with the requirements in this Order are invalid. A Rule 23(b)(3) Settlement Class Member may revoke 14 an opt-out request in writing. To be valid, opt-out revocations must be postmarked no later than the 15 date of the Rule 23(b)(3) Final Judgment and Order. 16 11. Copies of all objections also must be se sent to the Clerk of Court, at Phillip Burton 17 Federal Building & United States Courthouse 450 Golden Gate Avenue, San Francisco, CA 94102. 18 Alternatively, objections may be filed using the Court’s CM/ECF system. The objection must include 19 the following: (a) the objector's name, address, and telephone number; (b) the name of this Litigation 20 and the case number; and (c) a written statement detailing the specific basis for each objection. An 21 objection submitted through an attorney must also contain: (a) the identity, mailing address, email 22 address, fax number, phone number for the counsel by whom the Rule 23(b)(3) Settlement Class 23 Member is represented; (b) a statement of whether the objecting Rule 23(b)(3) Settlement Class 24 Member intends to appear at the Final Fairness Hearing; and (c) a written statement detailing the 25 specific basis for each objection, including any legal and factual support that the objecting Rule 26 23(b)(3) Settlement Class Member wishes to bring to the Court's attention and any evidence the 27 objecting Rule 23(b)(3) Settlement Class Member wishes to introduce in support of the objection. Any 1 excuses the failure to object in writing for good cause—pursuant to the terms of this paragraph shall 2 not be permitted to object to the approval of the settlement or the Settlement Agreement and shall be 3 foreclosed from seeking any review of the settlement or the terms of the Settlement Agreement by 4 appeal or other means. 5 Findings Applicable to Both Settlement Classes 6 12. If the Settlement Agreement is not finally approved, is not upheld on appeal, or is 7 otherwise terminated for any reason before the Effective Date, then the Settlement Class shall be 8 decertified; the Settlement Agreement and all negotiations, proceedings, and documents prepared, and 9 statements made in connection therewith, shall be without prejudice to any Party and shall not be 10 deemed or construed to be an admission or confession by any Party of any fact, matter, or proposition 11 of law; and all Parties shall stand in the same procedural position as if the Settlement Agreement had 12 not been negotiated, made, or filed with the Court. 13 13. The Court appoints Plaintiffs Meeks, Delacruz, Laguna, and Leonard as the Class 14 Representatives. The Court also appoints the law firms of Kelly Guzzo PLC, Consumer Litigation 15 Associates, P.C., and Gupta Wessler, PLLC as counsel for the Settlement Class ("Class Counsel"). 16 14. The Court appoints Continental DataLogix, LLC as Settlement Administrator for both 17 Settlement Classes. The Settlement Administrator shall implement the agreed-upon Notice Plan in 18 accordance with the Settlement Agreement. To the extent the Parties or Notice Administrator 19 determine that ministerial changes to the Notices are necessary before disseminating either to the 20 Settlement Class Members, they may make such changes without further application to the Court. 21 15. The Court will hold a Final Approval Hearing pursuant to Fed. R. Civ. P. 23(e) on 22 N__o_v_._ 9_,_ 2_0__2_3____ (at least 150 days after entry of Preliminary Approval Order) at the United States 23 District Court, Northern District of California, 450 Golden Gate Avenue, San Francisco, CA 94102, 24 at __1_:0__0__AM/PM for the following purposes: 25 (a) To determine whether the proposed settlement is fair, reasonable, and adequate and 26 should be granted final approval by the Court; 27 (b) To determine whether a final judgment should be entered dismissing the claims of the 1 (c) To consider the application of Class Counsel for an award of attorneys' fees, costs, and 2 expenses, and for a service award to the class representative; and 3 (d) To rule upon other such matters as the Court may deem appropriate. 4 The hearing will be held remotely using Zoom. The Court’s Zoom courtroom can be found at: 5 https://cand- 6 uscourts.zoomgov.com/j/1612857657?pwd=WE5Gcm1zS293WU84V0tyd0c2Ulp1UT09. Additional 7 information for attendance by Zoom is: webinar ID: 161 285 7657, and password: 547298. 8 16. The Court finds this manner of giving notice, satisfies the requirements of Fed. R. Civ. 9 P. 23 and due process, and shall constitute due and sufficient notice to all persons entitled thereto. 10 17. Any Settlement Class Member who wishes to be heard orally at the Final Approval 11 Hearing, or who wishes for any objection to be considered, must file a written notice of objection to 12 be filed with the Court no later than thirty (30) days prior to the Final Approval Hearing. 13 Notwithstanding this deadline, objections solely as to attorneys' fees or costs may be made no later 14 than seven (7) days after the filing of a motion for the award of attorneys' fees or costs. 15 18. Copies of all objections also must be sent to the Clerk of Court, at Phillip Burton 16 Federal Building & United States Courthouse 450 Golden Gate Avenue, San Francisco, CA 94102. 17 Alternatively, objections may be filed using the Court’s CM/ECF system. The objection must include 18 the following: (1) the objector's name, address, and telephone number; (2) a sentence stating that, to 19 the best of his or her knowledge, he or she is a member of the Settlement Class; (3) the factual basis 20 and legal grounds for the objection to the Settlement; (4) the identity of witnesses whom the objector 21 may call to testify at the Final Fairness Hearing; (5) the name and address of any attorney who has 22 drafted or helped draft the objection; and (6) copies of exhibits the objector may seek to offer into 23 evidence at the Final Fairness Hearing. Any Settlement Class Member who fails to timely file and 24 serve a written objection pursuant to the terms of this paragraph shall not be permitted to object to the 25 approval of the settlement or the Settlement Agreement and shall be foreclosed from seeking any 26 review of the settlement or the terms of the Settlement Agreement by appeal or other means. 27 19. All briefs, memoranda, petitions, and affidavits to be filed in support of an individual 1 costs and expenses, shall be filed not later than thirty-five (35) days before the Objection □□□□□□ 2 || Any other briefs, memoranda, petitions and affidavits that Class Counsel intends to file in support 3 || final approval shall be filed not later than twenty-one (21) days before the Final Approval Hearing. 4 20. Not later than forty-five (45) days before the Final Approval Hearing, the Noti 5 Administrator will cause a declaration to be filed with the Court that the Notice described above w 6 || given as required herein. 7 21. Neither this Prelimimary Approval Order, nor the Settlement Agreement, shall | 8 || construed or used as an admission or concession by or against the Defendant or any of the Releas 9 || Parties of any fault, omission, lability, or wrongdoing, or the validity of any of the Settleme 10 || Released Claims. This Prelimimary Approval Order is not a finding of the validity or invalidity of a: 11 claims in this lawsuit or a determination of any wrongdoing by the Defendant or any of the Releas 12 || Parties. The prelimmary approval of the Settlement Agreement does not constitute any opinic 13 position, or determination of this Court, one way or the other, as to the merits of the claims ai 14 defenses of Plaintiff, the Settlement Class Members, or the Defendant. 15 22. The Court retains exclusive jurisdiction over this action to consider all further matte 16 || arising out of or connected with the injunctive relief aspect of this settlement. i . 1S 17 || ItisSO ORDERED aS D ERIC 18 ky LON 19 || DATED: June 1, 2023 ey) ED 20 Tris “ 21 La VEZ 22 ON Vy adee Vines SS O

PAL!

: $ 24

DISTRICS

25 26 27 28