Chuluunbat v. Experian Information Solutions, Inc.

District Courts in instant consolidated appeals did not err in either dismissing or granting judgment in favor of defendants-consumer reporting agencies in actions under Fair Credit Reporting Act (FCRA), alleging that defendants did not thoroughly investigate plaintiffs’ claims that creditors, who had demanded payments from plaintiffs, did not actually own right to collect on plaintiffs’ debts. Record showed that plaintiffs had previously asked defendants to reinvestigate accuracy of their credit reports to determine if purported creditors owned right to collect on plaintiffs’ debt. After all creditors had confirmed with defendants that credit reports were accurate without creditors producing proof of original sale or assignment agreement, plaintiffs filed instant actions under FCRA and alleged that defendants failed to fully investigate their claims that defendants did not own right to collect on their debts. Ct. of Appeals, though, found that plaintiffs’ claims were outside contours of FCRA, since: (1) plaintiffs asked defendants to make primarily legal determinations with respect to ownership of right to collect on plaintiffs’ debts; and (2) defendants were only responsible under FCRA for making investigations into alleged factual inaccuracies in plaintiffs’ credit reports.