In an appeal of a class action judgment, hinging on whether the decision of credit reporter-defendant to list a defunct credit card company, rather than the name of its servicer, as a 'source of . . . information' on an individual’s credit report -- without more -- creates sufficient injury in fact under the Fair Credit Reporting Act (FCRA) for purposes of Article III standing, 15 U.S.C. section 1681g(a)(2), the district court's judgment in favor of plaintiffs is vacated where when an individual fails to allege a concrete injury stemming from allegedly incomplete or incorrect information listed on a credit report, he or she cannot satisfy the threshold requirements of constitutional standing.