Pedro v. Transunion LLC, No. 16-13404 (11th Cir. 2017)Annotate this Case
Plaintiff filed suit alleging that TransUnion willfully violated a provision of the Fair Credit Reporting Act, 15 U.S.C. 1681e(b), 1681n, which requires that a consumer reporting agency "follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates." The Eleventh Circuit affirmed the district court's dismissal of the complaint for failure to allege a plausible claim for relief. The court held that it was was not objectively unreasonable for TransUnion to interpret section 1681e(b) to permit it to report an account for which a consumer, like plaintiff in this case, was an authorized user.