Koeut

I. BACKGROUND

26 Plaintiff brings this action against Navient Defendants, Equifax Information 27 Services, LLC (“Equifax”), and Experian Information Solutions, Inc. (“Experian”) for 28 violations of the Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (“FCRA”) and the California Consumer Credit Reporting Agencies Act, Cal. Civ. Code §§ 1785.3 et. seq. (“CCCRAA”). (Complaint (“Compl.”), Doc. No. 1, ¶ 1.) Between 2005 and 2009, Plaintiff took out a federal student loan to pay for the educational costs associated with his medical degree at Ponce School of Medicine. (Id. ¶ 34.) On or about July 9, 2009, Plaintiff took out a second unsecured non-federal loan with Navient Defendants (“Navient Debt”) for job application costs, and flight and travel expenses while he sought post-medical school employment. (Id. ¶ 35.) This latter loan was a private loan, as it was not guaranteed by a government unit. (Id.) On May 21, 2012, Plaintiff filed a Chapter 7 Bankruptcy Case in the United States Bankruptcy Court for the Southern District of California, which allegedly discharged the Navient Debt. (Id. ¶ 39.) On January 18, 2021, Plaintiff…