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Marricone v. Experian Information Solutions

October 6, 2009


The opinion of the court was delivered by: Anita B. Brody, J.


Plaintiff John Marricone filed a Complaint alleging several claims against Defendants Experian Information Solutions, LexisNexis Risk and Information Analytics Groups, Inc. ("Lexis") and Reed Elsevier, Inc. ("Reed"). These claims include violations of the Fair Credit Reporting Act ("FCRA"), and claims of defamation, negligence, and invasion of privacy. Defendants Lexis and Reed filed a Motion to Dismiss pursuant to Federal Rule of Civil Procedure 12(b)(6). Defendants ask this court to dismiss several of Plaintiff's claims, including Plaintiff's FCRA claims pursuant to 15 U.S.C. §§ 1681c, 1681e(b), 1681g, 1681n, 1681o, and any other applicable FCRA provisions, Plaintiff's defamation and invasion of privacy claims, and any request for equitable relief.

FCRA Claims

Plaintiff's Complaint alleges sufficient facts under Twombly and Iqbal to survive a motion to dismiss on its FCRA claims. See generally Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007); Ashcroft v. Iqbal, 129 S.Ct. 1937 (2009). Under Iqbal, "a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face." Iqbal, 129 S.Ct. at 1949 (2009) (internal citations omitted). Further, a "claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged." Id. This standard asks for more than a "sheer possibility" of misconduct. Id. Plaintiff's complaint meets these standards; if the facts in Plaintiff's complaint are taken as true, there is a claim to relief that is plausible on its face.

Defendants argue that Plaintiff has not pled enough facts to allege that Lexis and Reed are consumer reporting agencies ("CRAs") in this case. The definition of a consumer reporting agency in 15 U.S.C. § 1681a(f) is fairly broad, and the language of the statute*fn1 as well as relevant case law demonstrate that whether an entity is acting as a consumer reporting agency in a particular situation is a fact-specific inquiry. While credit bureaus such as Equifax may be the paradigmatic CRAs, the term can extend beyond such entities. See, e.g., Williams v. LexisNexis Risk Mgmt. Inc., 2007 U.S. Dist. LEXIS 62193, *4 (E.D. Va. 2007); Lewis v. Ohio Prof'l Elec. Network LLC, 190 F. Supp. 2d 1049, 1061 (S.D. Ohio 2002). Thus factual discovery will help determine whether Defendants acted as CRAs in this case. Absent binding case law holding that Lexis and Reed are not CRAs as a matter of law, Plaintiff's allegations that Defendants operated as CRAs survives a 12(b)(6) motion to dismiss.

Defendants' argument that Plaintiff has not alleged facts sufficient to trigger the reinvestigation requirement under § 1681i is also premature. This provision requires that an agency have notice of any inaccuracy before it is required to reinvestigate the information. Though in many cases the consumer notifies the agency directly, the case law is not explicit as to exactly what type of notice is required. If Defendants had sufficient notice of the inaccuracy, the reinvestigation requirements of § 1681i might be triggered. Again, further discovery is needed.


Plaintiff has also pled sufficient facts in the entirety of the complaint to allege each element of defamation under 42 PA. CONS. STAT. ANN. § 8343. Note, however, that under 15 U.S.C. § 1681h(e), a preemption issue may exist with regard to state law tort claims. Defendants have not argued this issue in their motion to dismiss, and thus I do not address it now.

Invasion of Privacy

Plaintiff's allegations are insufficient to state a claim for false light invasion of privacy. Plaintiff alleges that Defendants reported inaccurate statements and information about him, including a civil judgment in connection with a debt. Compl. ¶¶12-13 The tort of false light invasion of privacy involves "publicity that unreasonably places the other in a false light before the public." Strickland v. Univ. of Scranton, 700 A.2d 979, 987 (Pa. Super. 1997) (internal citations omitted). A cause of action will be found where "there is such a major misrepresentation of his character, history, activities or belief that serious offense may reasonably be expected to be taken by a reasonable man in his position." Id. The elements of a false light claim are "publicity, given to private facts, which would be highly offensive to a reasonable person and which are not of legitimate concern to the public." Id.; Rush v. Philadelphia Newspapers, Inc., 732 A.2d 648, 654 (Pa. Super. 1999). Plaintiff's allegations fail to suggest that Defendants published any private facts about Plaintiff. A matter which is a public record, such as a civil judgment, is generally not considered a private fact. See Strickland, 700 A.2d at 987 (finding that a lawsuit against plaintiff was a matter of public record and therefore not a private fact). See also Cox Broad. Corp v. Cohn, 420 U.S. 469, 496 (1975) (holding that a broadcasting corporation could not be liable for invasion of privacy after it published the name of a rape victim obtained from official records open to public inspection);*fn2 RESTATEMENT (SECOND) OF TORTS § 652D, cmt. b (1977) ("There is no liability when the defendant merely gives further publicity to information about the plaintiff that is already public. Thus there is no liability for giving publicity to facts about the plaintiff's life that are matters of public record, such as the date of his birth, the fact of his marriage, his military record, the fact that he is admitted to the practice of medicine or is licensed to drive a taxicab, or the pleadings that he has filed in a lawsuit. On the other hand, if the record is one not open to public inspection, as in the case of income tax returns, it is not public, and there is an invasion of privacy when it is made so.") A civil judgment is a matter of public record and thus not a private fact. Because plaintiff has not specified any inaccurate information that could be considered a private fact, the factual allegations in the complaint are insufficient to meet the elements for false light invasion of privacy.

Declaratory and Injunctive Relief

Finally, Defendants argue that Plaintiff is not entitled to injunctive or declaratory relief under the FCRA as a matter of law. There is some case law to support the contention that injunctive relief is not available to private litigants under the FCRA. E.g. Washington v. CSC Credit Servs., Inc., 199 F.3d 263, 268 (5th Cir. 2000); Gelman v. State Farm Mut. Auto. Ins. Co., 2007 WL 2306578, *9 (E.D. Pa. 2007). Courts have also denied declaratory relief to Plaintiffs under the FCRA. E.g. Anderson v. Capital One Bank, 224 F.R.D. 444, 448-49 (W.D. Wis. 2004); Gelman at *9. However, the Third Circuit has not specifically addressed this issue,*fn3 and lower courts have gone in both directions regarding both injunctive and declaratory relief. Because it is an open question whether ...

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