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United States Ninth Circuit

Pintos v. Pac. Creditors Ass'n, 04-17485, 04-17558

In an action brought claiming defendant-collection agency violated the Fair Credit Reporting Act (FCRA) by obtaining, without any FCRA-sanctioned purpose, a credit report on her from a credit reporting agency, and that the reporting agency violated the FCRA by furnishing the report, summary judgment for defendants is reversed as: 1) collection agency obtained a credit report on plaintiff for debt collection efforts unrelated to a proper credit transaction, in violation of the FCRA; 2) under 15 U.S.C. section 1681e, defendant-collector's "blanket certification" that it would use the credit reports only for permissible purposes did not absolve defendant-reporting agency from its independent obligation to verify the certification and determine that no reasonable grounds existed for suspecting impermissible use; and 3) thus, genuine issues of material fact remained with regard to the reporting agency's liability.

Appellate Information

  • Argued 01/09/2007
  • Submitted 01/09/2007
  • Decided 09/21/2007
  • Published 09/21/2007


  • Before:  MARY M. SCHROEDER, RICHARD R. CLIFTON, and CARLOS T. BEA, Circuit Judges.


  • United States Ninth Circuit


  • For Appellees:
  • Andrew J. Ogilvie (argued), Kemnitzer, Anderson, Barron, Ogilvie & Brewer, LLP, San Francisco, CA, for appellant/cross-appellee Maria E. Pintos., Daniel J. McLoon (argued), Jones Day, Los Angeles, CA, Adam R. Sand and Marc S. Carlson, Jones Day, San Francisco, CA, for appellee/cross-appellant Experian Information Solutions, Inc., Andrew M. Steinheimer (argued) and Mark E. Ellis, Ellis Coleman Poirier LaVoie & Steinheimer, LLP, Sacramento, CA, for appellee Pacific Creditors Association.
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