Plaintiff brought claims under 15 U.S.C. §§ 1681s-2(a) and (b) against Defendant, but did not seek monetary relief, only an injunction requiring “Defendant to notify and delete errant information on the reports maintained by all major credit bureaus.” 2021 WL 4243406, *2 (cleaned up).  The Court dismissed Plaintiff’s claim under § 1681s-2(a), which gives enforcement power to federal and state agencies to require furnishers of information to correctly and accurately inform the consumer reporting agencies.  The Court’s dismissal of the §1681s-2(a) claim was with prejudice as it is exclusively enforced by government agencies and there is no private right of action. 

Plaintiff’s remaining claim is under § 1681s-2(b), which governs the duties to investigate consumer disputes.  In particular, this subsection requires a furnisher to conduct a reasonable investigation into the dispute initiated by a consumer.  While the consumer may disagree with the final result of the investigation, liability attaches only when a furnisher fails to conduct a reasonable investigation.  To succeed under § 1681s-2(b), a plaintiff must satisfy the following elements: “(1) he notified a CRA of a dispute related to his credit information; (2) the CRA then notified the furnisher of the information about the dispute; and (3) the furnisher failed to fulfill the obligations enumerated in § 1681s-2(b)(1).” Id. at *3.

Here, Defendant argued that the investigation reflected the reporting was accurate but the Court found that there were disputes of fact on that issue. Thus, on its face, the Court could find that Plaintiff has stated a plausible claim for relief under § 1681s-2(b).  Nevertheless, the Court dismissed the complaint on Plaintiff’s prayer for injunctive relief only finding that equitable relief is not available to private litigants under FCRA.  The Court dismissed the claim without prejudice to allow Plaintiff to seek alternative and available relief.