DENNIS v. EXPERIAN INFORMATION
Tuesday, September 25th, 2007The Ninth Circuit Court of Appeals today released an order and opinion in DENNIS v. EXPERIAN INFORMATION, No. 04-56230, a federal appeal. The panel consisted of Alex Kozinski, Diarmuid F. O’Scannlain and Jay S. Bybee, Circuit Judges.
KOZINSKI, Circuit Judge:
We address whether a credit reporting agency can be liable under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, when it overlooks or misinterprets documents in a court file. Facts In October 2002, Jason Dennis was sued for unlawful detainer. Eventually, his landlord agreed to drop the suit, in exchange for $2,938.50, payable in installments. The parties agreed that no judgment would be entered against Dennis, and filed a written stipulation to that effect. The court’s Register of Civil Actions inaccurately reports this event as: “11/ 25/2002 Court Trial Concluded - Judgment Entered.” Two months later, after Dennis paid the promised sums, the parties presented a “Request for Dismissal,” which the court clerk endorsed and filed. The corresponding Register entry accurately reports how this action resolved the dispute: “01/ 28/2003 Dismissal Without Prejudice - Entire Action, Filed & Entered.” Defendant Experian Information Solutions, Inc. subsequently prepared a credit report on Dennis, which indicated that a “Civil Claim judgment” had been entered against him in the amount of $1,959. Dennis called Experian and . . .
The petition for rehearing is granted. The previous opinion, 485 F.3d 443 (9th Cir. 2007), is withdrawn and replaced by the opinion filed concurrently herewith. Either party may file a new petition for rehearing or petition for rehearing en banc. OPINION KOZINSKI, Circuit Judge:
We address whether a credit reporting agency can be liable under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, when it overlooks or misinterprets documents in a court file. Facts In October 2002, Jason Dennis was sued for unlawful detainer. Eventually, his landlord agreed to drop the suit, in exchange for $2,938.50, payable in installments. The parties agreed that no judgment would be entered against Dennis, and filed a written stipulation to that effect. The court’s Register of Civil Actions inaccurately reports this event as: “11/ 25/2002 Court Trial Concluded - Judgment Entered.” Two months later, after Dennis paid the promised sums, the parties presented a “Request for Dismissal,” which the court clerk endorsed and filed. The corresponding Register entry accurately reports how this action resolved the dispute: “01/ 28/2003 Dismissal Without Prejudice - Entire Action, Filed & Entered.” Defendant Experian Information Solutions, Inc. subsequently prepared a credit report on Dennis, which indicated that a “Civil Claim judgment” had been entered against him in the amount of $1,959. Dennis called Experian and . . .

RSS Feed