Dreher v. Experian Information Solutions, Inc. et al, No. 3:2011cv00624 - Document 166 (E.D. Va. 2014)

Court Description: MEMORANDUM OPINION. It is so ORDERED. Signed by District Judge John A. Gibney, Jr. on 06/19/2014. (walk, )
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IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF VIRGINIA Richmond Division MICHAEL T. DREHER, Plaintiff, v. Case No. 3:11 -cv-00624-JAG EXPERIAN INFORMATION SOLUTIONS, INC., et al, Defendants. MEMORANDUM OPINION This matter comes before the Court on the plaintiffs Motion to Certify Class. (Dk. No. 140.) The Court GRANTS the motion. This case arises from a credit report provided to the plaintiff, Michael T. Dreher, by the defendant, Experian Information Solutions, Inc. Without Dreher's permission, a scoundrel had opened a charge account in Dreher's name at Advanta Bank. The account went into default, and the default showed up on Dreher's credit report. Dreher asked for, and received, a credit report from Experian. The report showed that Experian had received notice of the delinquency from Advanta Bank. Advanta, however, had gone out of business, and a company named Cardworks managed the old Advanta accounts. Cardworks, not Advanta, provided Experian with the information about Dreher's supposed delinquency. Under the Fair Credit Reporting Act (FCRA), Dreher has sued Experian for not telling him that Cardworks was the actual source of the information about the delinquent account. Apparently, many consumers with old Advanta accounts requested credit reports from Experian, and all of the reports listed Advanta, not Cardworks, as the source of information about the old