Renie Guimond v. Trans Union Credit Information Company

How courts have described this case

Verbatim parenthetical descriptions written by other courts when citing this decision. Ranked by citation-network relevance.

• concluding that district court erred in predicating liability under § 1681e(b) on the occurrence of a credit denial or the transmission of a report to a third party
• explaining that a goal of Congress in enacting the FCRA was “establish[ing] credit reporting practices that utilize … current information” (emphasis added)
• explaining that the FCRA was designed to protect consumers from inaccurate reporting and to establish accurate, confidential, and responsible credit reporting practices
• suggesting that the plaintiff’s alleged “emotional distress, manifested by 22 sleeplessness, nervousness, frustration, and mental anguish resulting from the incorrect 23 information in her credit report” sufficed to establish actual damages
• noting that “no case has held that a denial of credit is a prerequisite to recovery under the FCRA” and holding that fees incurred in requesting credit reports, inter alia, could constitute an allegation of damages sufficient to sustain an FCRA claim
• suggesting that consumer reporting agency bears the burden

Source: CourtListener parenthetical corpus (CC0).