Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-cand-3_15-cv-01244/USCOURTS-cand-3_15-cv-01244-3/pdf.json

Nature of Suit Code: 480
Nature of Suit: Consumer Credit
Cause of Action: 15:1681 Fair Credit Reporting Act

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Chabot v CitiMortgage et al, No. 3:15-cv-01244 EMC– Protective Order 

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Counsel Are Listed On Signature Page

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

Paul Chabot and Brenda Chabot,

Plaintiffs,

v.

CitiMortgage, Inc., a New York corporation;

Experian Information Solutions, Inc., a Ohio 

corporation; 

Equifax Information Services LLC, a Georgia 

limited liability company; and

Trans Union LLC

Defendants.

Case No. 3:15-cv-01244-EMC

[STIPULATED]

PROTECTIVE ORDER

1. PURPOSES AND LIMITATIONS

Disclosure and discovery activity in this action are likely to involve production of 

confidential, proprietary, or private information for which special protection from public disclosure 

and from use for any purpose other than prosecuting this litigation may be warranted. Accordingly, 

the parties hereby stipulate to and petition the court to enter the following Stipulated Protective 

Order. The parties acknowledge that this Order does not confer blanket protections on all disclosures 

or responses to discovery and that the protection it affords from public disclosure and use extends 

only to the limited information or items that are entitled to confidential treatment under the 

applicable legal principles. The parties further acknowledge, as set forth in Section 13.3, below, that 

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this Stipulated Protective Order does not entitle them to file confidential information under seal and 

that Civil Local Rule 79-5 sets forth the procedures that must be followed and the standards that 

will be applied when a party seeks permission from the court to file material under seal.

2. DEFINITIONS

2.1 Challenging Party: a Party or Non-Party that challenges the designation of 

information or items under this Order.

2.2 “CONFIDENTIAL” Information or Items: information (regardless of how it is 

generated, stored or maintained) or tangible things that qualify for protection under Federal Rule of 

Civil Procedure 26(c).2.3 Counsel (without qualifier): Outside Counsel of Record and House 

Counsel (as well as their support staff).

2.4 Designating Party: a Party or Non-Party that designates information or items that it 

produces in disclosures or in responses to discovery as “CONFIDENTIAL or “HIGHLY 

CONFIDENTIAL – ATTORNEYS’ EYES ONLY”.” 

2.5 Disclosure or Discovery Material: all items or information, regardless of the medium 

or manner in which it is generated, stored, or maintained (including, among other things, testimony, 

transcripts, and tangible things), that are produced or generated in disclosures or responses to 

discovery in this matter.

2.6 Expert: a person with specialized knowledge or experience in a matter pertinent to 

the litigation who has been retained by a Party or its counsel to serve as an expert witness or as a 

consultant in this action.

2.7 “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY” Information or Items: 

extremely sensitive “Confidential Information or Items,” disclosure of which to another Party or Non-Party 

would create a substantial risk of serious harm that could not be avoided by less restrictive means.

2.8 House Counsel: attorneys who are employees of a party to this action. House 

Counsel does not include Outside Counsel of Record or any other outside counsel.

2.9 Non-Party: any natural person, partnership, corporation, association, or other legal 

entity not named as a Party to this action.2.10 NPPI:

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 (a) “Nonpublic personal information,” as defined in Title V of the Gramm-Leach-Bliley 

Act, 15 U.S.C. §§ 6801-6809 and in any and all regulations promulgated pursuant to Title V of the 

Gramm-Leach-Bliley Act, including but not limited to 16 C.F.R. Parts 313, 314, and 332 and 12 

C.F.R Part 364; and

(b) Any information covered by state and federal laws and regulations protecting the 

privacy and security of personal information, including but not limited to the California Financial 

Information Privacy Act, Cal. Fin. Code § 4050 et seq.

2.11 Outside Counsel of Record: attorneys who are not employees of a party to this action 

but are retained to represent or advise a party to this action and have appeared in this action on 

behalf of that party or are affiliated with a law firm which has appeared on behalf of that party.

2.12 Party: any party to this action, including all of its officers, directors, employees, 

consultants, retained experts, and Outside Counsel of Record (and their support staffs).

2.13- Producing Party: a Party or Non-Party that produces Disclosure or Discovery 

Material in this action.

2.14 Professional Vendors: persons or entities that provide litigation support services 

(e.g., photocopying, videotaping, translating, preparing exhibits or demonstrations, and organizing, 

storing, or retrieving data in any form or medium) and their employees and subcontractors.

2.15 Protected Material: any Disclosure or Discovery Material that is designated as 

“CONFIDENTIAL” or as “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY.” 

2.16 Receiving Party: a Party that receives Disclosure or Discovery Material from a 

Producing Party.

3. SCOPE

The protections conferred by this Stipulation and Order cover not only Protected Material 

(as defined above), but also (1) any information copied or extracted from Protected Material; (2) all 

copies, excerpts, summaries, or compilations of Protected Material; and (3) any testimony, 

conversations, or presentations by Parties or their Counsel that might reveal Protected Material. 

However, the protections conferred by this Stipulation and Order do not cover the following 

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information: (a) any information that is in the public domain at the time of disclosure to a Receiving 

Party or becomes part of the public domain after its disclosure to a Receiving Party as a result of 

publication not involving a violation of this Order, including becoming part of the public record 

through trial or otherwise; and (b) any information known to the Receiving Party prior to the 

disclosure or obtained by the Receiving Party after the disclosure from a source who obtained the 

information lawfully and under no obligation of confidentiality to the Designating Party. Any use 

of Protected Material at trial shall be governed by a separate agreement or order.

4. DURATION

Even after final disposition of this litigation, the confidentiality obligations imposed by this 

Order shall remain in effect until a Designating Party agrees otherwise in writing or a court order 

otherwise directs. Final disposition shall be deemed to be the later of (1) dismissal of all claims and 

defenses in this action, with or without prejudice; and (2) final judgment herein after the completion 

and exhaustion of all appeals, re-hearings, remands, trials, or reviews of this action, including the 

time limits for filing any motions or applications for extension of time pursuant to applicable law.

5. DESIGNATING PROTECTED MATERIAL

5.1 Exercise of Restraint and Care in Designating Material for Protection. Each Party or 

Non-Party that designates information or items for protection under this Order must take care to 

limit any such designation to specific material that qualifies under the appropriate standards. The 

Designating Party must designate for protection only those parts of material, documents, items, or 

oral or written communications that qualify – so that other portions of the material, documents, 

items, or communications for which protection is not warranted are not swept unjustifiably within 

the ambit of this Order.

Mass, indiscriminate, or routinized designations are prohibited. Designations that are shown 

to be clearly unjustified or that have been made for an improper purpose (e.g., to unnecessarily 

encumber or retard the case development process or to impose unnecessary expenses and burdens 

on other parties) expose the Designating Party to sanctions.

If it comes to a Designating Party’s attention that information or items that it designated for 

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protection do not qualify for protection, that Designating Party must promptly notify all other Parties 

that it is withdrawing the mistaken designation.

5.2 Manner and Timing of Designations. Except as otherwise provided in this Order 

(see, e.g., second paragraph of section 5.2(a) below), or as otherwise stipulated or ordered, 

Disclosure or Discovery Material that qualifies for protection under this Order must be clearly so 

designated before the material is disclosed or produced.

Designation in conformity with this Order requires:

(a) for information in documentary form (e.g., paper or electronic documents, but 

excluding transcripts of depositions or other pretrial or trial proceedings), that the Producing Party 

affix the legend “CONFIDENTIAL” or “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY” 

to each page that contains protected material. If only a portion or portions of the material on a page 

qualifies for protection, the Producing Party also must clearly identify the protected portion(s) (e.g., 

by making appropriate markings in the margins).

A Party or Non-Party that makes original documents or materials available for inspection 

need not designate them for protection until after the inspecting Party has indicated which material 

it would like copied and produced. During the inspection and before the designation, all of the 

material made available for inspection shall be deemed “HIGHLY CONFIDENTIAL – ATTORNEYS’ 

EYES ONLY.” After the inspecting Party has identified the documents it wants copied and produced, 

the Producing Party must determine which documents, or portions thereof, qualify for protection 

under this Order. Then, before producing the specified documents, the Producing Party must affix 

the appropriate legend (“CONFIDENTIAL” or “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES 

ONLY”) to each page that contains Protected Material. If only a portion or portions of the material 

on a page qualifies for protection, the Producing Party also must clearly identify the protected 

portion(s) (e.g., by making appropriate markings in the margins).

(b) for testimony given in deposition or in other pretrial or trial proceedings, that the 

Designating Party identify on the record, before the close of the deposition, hearing or other 

proceeding, specify the level of protection being asserted. When it is impractical to identify separately each 

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portion of testimony that is entitled to protection and it appears that substantial portions of the testimony may 

qualify for protection, the Designating Party may invoke on the record (before the deposition, hearing, or 

other proceeding is concluded) a right to have up to 21 days to identify the specific portions of the testimony 

as to which protection is sought and to specify the level of protection being asserted. Only those portions of 

the testimony that are appropriately designated for protection within the 21 days shall be covered by the 

provisions of this Stipulated Protective Order. Alternatively, a Designating Party may specify, at the 

deposition or up to 21 days afterwards if that period is properly invoked, that the entire transcript shall be 

treated as “CONFIDENTIAL” or “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY.”

Parties shall give the other parties notice if they reasonably expect a deposition, hearing or other 

proceeding to include Protected Material so that the other parties can ensure that only authorized individuals 

who have signed the “Acknowledgment and Agreement to Be Bound” (Exhibit A) are present at those 

proceedings. The use of a document as an exhibit at a deposition shall not in any way affect its designation 

as “CONFIDENTIAL” or “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY.”

Transcripts containing Protected Material shall have an obvious legend on the title page that the 

transcript contains Protected Material, and the title page shall be followed by a list of all pages (including 

line numbers as appropriate) that have been designated as Protected Material and the level of protection being 

asserted by the Designating Party. The Designating Party shall inform the court reporter of these 

requirements. Any transcript that is prepared before the expiration of a 21-day period for designation shall 

be treated during that period as if it had been designated “HIGHLY CONFIDENTIAL – ATTORNEYS’ 

EYES ONLY” in its entirety unless otherwise agreed. After the expiration of that period, the transcript shall 

be treated only as actually designated.

(c) for information produced in some form other than documentary and for any other 

tangible items, that the Producing Party affix in a prominent place on the exterior of the container 

or containers in which the information or item is stored the legend “CONFIDENTIAL or “HIGHLY 

CONFIDENTIAL – ATTORNEYS’ EYES ONLY.” If only a portion or portions of the information or 

item warrant protection, the Producing Party, to the extent practicable, shall identify the protected 

portion(s).

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5.3 Inadvertent Failures to Designate. If timely corrected, an inadvertent failure to 

designate qualified information or items does not, standing alone, waive the Designating Party’s 

right to secure protection under this Order for such material. Upon timely correction of a 

designation, the Receiving Party must make reasonable efforts to assure that the material is treated 

in accordance with the provisions of this Order.

6. CHALLENGING CONFIDENTIALITY DESIGNATIONS

6.1 Timing of Challenges. Any Party or Non-Party may challenge a designation of 

confidentiality at any time. Unless a prompt challenge to a Designating Party’s confidentiality 

designation is necessary to avoid foreseeable, substantial unfairness, unnecessary economic 

burdens, or a significant disruption or delay of the litigation, a Party does not waive its right to 

challenge a confidentiality designation by electing not to mount a challenge promptly after the 

original designation is disclosed.

6.2 Meet and Confer. The Challenging Party shall initiate the dispute resolution process 

by providing written notice of each designation it is challenging and describing the basis for each 

challenge. To avoid ambiguity as to whether a challenge has been made, the written notice must 

recite that the challenge to confidentiality is being made in accordance with this specific paragraph 

of the Protective Order. The parties shall attempt to resolve each challenge in good faith and must 

begin the process by conferring directly (in voice to voice dialogue; other forms of communication 

are not sufficient) within 14 days of the date of service of notice. In conferring, the Challenging 

Party must explain the basis for its belief that the confidentiality designation was not proper and 

must give the Designating Party an opportunity to review the designated material, to reconsider the 

circumstances, and, if no change in designation is offered, to explain the basis for the chosen 

designation. A Challenging Party may proceed to the next stage of the challenge process only if it 

has engaged in this meet and confer process first or establishes that the Designating Party is 

unwilling to participate in the meet and confer process in a timely manner.

6.3 Judicial Intervention. If the Parties cannot resolve a challenge without court 

intervention, the Designating Party shall file and serve a motion to retain confidentiality under Civil 

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Local Rule 7 (and in compliance with Civil Local Rule 79-5, if applicable) within 21 days of the 

initial notice of challenge or within 14 days of the parties agreeing that the meet and confer process 

will not resolve their dispute, whichever is later. Each such motion must be accompanied by a 

competent declaration affirming that the movant has complied with the meet and confer 

requirements imposed in the preceding paragraph. Failure by the Designating Party to make such a 

motion including the required declaration within 21 days (or 14 days, if applicable) shall 

automatically waive the confidentiality designation for each challenged designation. In addition, the 

Challenging Party may file a motion challenging a confidentiality designation at any time if there is 

good cause for doing so, including a challenge to the designation of a deposition transcript or any 

portions thereof. Any motion brought pursuant to this provision must be accompanied by a 

competent declaration affirming that the movant has complied with the meet and confer 

requirements imposed by the preceding paragraph.

The burden of persuasion in any such challenge proceeding shall be on the Designating 

Party. Frivolous challenges, and those made for an improper purpose (e.g., to harass or impose 

unnecessary expenses and burdens on other parties) may expose the Challenging Party to sanctions. 

Unless the Designating Party has waived the confidentiality designation by failing to file a motion 

to retain confidentiality as described above, all parties shall continue to afford the material in 

question the level of protection to which it is entitled under the Producing Party’s designation until 

the court rules on the challenge.

7. ACCESS TO AND USE OF PROTECTED MATERIAL

7.1 Basic Principles. A Receiving Party may use Protected Material that is disclosed or 

produced by another Party or by a Non-Party in connection with this case only for prosecuting, 

defending, or attempting to settle this litigation. Such Protected Material may be disclosed only to 

the categories of persons and under the conditions described in this Order. When the litigation has 

been terminated, a Receiving Party must comply with the provisions of section 13 below (FINAL 

DISPOSITION).

Protected Material must be stored and maintained by a Receiving Party at a location and in 

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a secure manner that ensures that access is limited to the persons authorized under this Order.

7.2 Disclosure of “CONFIDENTIAL” Information or Items. Unless otherwise ordered 

by the court or permitted in writing by the Designating Party, a Receiving Party may disclose any 

information or item designated “CONFIDENTIAL” only to:

(a) the Receiving Party’s Outside Counsel of Record in this action, as well as employees 

of said Outside Counsel of Record to whom it is reasonably necessary to disclose the information 

for this litigation and who have signed the;

(b) the officers, directors, and employees (including House Counsel) of the Receiving 

Party to whom disclosure is reasonably necessary for this litigation;

(c) Experts (as defined in this Order) of the Receiving Party to whom disclosure is 

reasonably necessary for this litigation and who have signed the “Acknowledgment and Agreement 

to Be Bound” (Exhibit A);

(d) the court and its personnel;

(e) court reporters and their staff, professional jury or trial consultants, mock jurors, and 

Professional Vendors to whom disclosure is reasonably necessary for this litigation and who have 

signed the “Acknowledgment and Agreement to Be Bound” (Exhibit A);

(f) during their depositions, witnesses in the action to whom disclosure is reasonably 

necessary and who have signed the “Acknowledgment and Agreement to Be Bound” (Exhibit A), 

unless otherwise covered in subparagraphs 7.2(a)-(e) or agreed by the Designating Party or ordered 

by the court. Pages of transcribed deposition testimony or exhibits to depositions that reveal 

Protected Material must be separately bound by the court reporter and may not be disclosed to 

anyone except as permitted under this Stipulated Protective Order.

(g) the author or recipient of a document containing the information or a custodian or 

other person who otherwise possessed or knew the information.

7.3 Disclosure of “CONFIDENTIAL” Information produced by Defendants that 

contains NPPI.

(a) Plaintiffs hereby consent that Defendants may produce Confidential Information 

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containing NPPI of any Plaintiff to any Plaintiff and to counsel for Plaintiffs.

(b) In no event shall any Receiving Party disclose the NPPI of any Plaintiff contained 

in any Confidential Information to any Non-Party, save as permitted under Title V of the GrammLeach-Bliley Act, §§ 6801-6809, and its implementing regulations; 

(c) Defendants shall not be liable for any disclosure by any Party other than Defendants 

or by any Non-Party of Confidential Information produced in this matter containing NPPI;

(d) Any production by Defendants of Confidential Information containing NPPI of any 

Plaintiff to any Plaintiff is a permissible disclosure under Title V of the Gramm-Leach-Bliley Act, 

including pursuant to 15 U.S.C. § 6802(e)(2) and 15 U.S.C. § 6802(e)(3)(E).

(e) Any production by Defendants of Confidential Information containing NPPI of any 

Plaintiff to any Plaintiff is a permissible disclosure under Cal. Fin. Code § 4056(b)(2) and Cal. Fin. 

Code § 4056(b)(3)(E).

7.4 Disclosure of “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY” 

Information or Items. Unless otherwise ordered by the court or permitted in writing by the 

Designating Party, a Receiving Party may disclose any information or item designated “HIGHLY 

CONFIDENTIAL – ATTORNEYS’ EYES ONLY” only to:

(a) the Receiving Party’s Outside Counsel of Record in this action, as well as 

employees of said Outside Counsel of Record to whom it is reasonably necessary to disclose the 

information for this litigation and who have signed the “Acknowledgment and Agreement to Be 

Bound” that is attached hereto as Exhibit A;

(b) Experts of the Receiving Party (1) to whom disclosure is reasonably necessary 

for this litigation, (2) who have signed the “Acknowledgment and Agreement to Be Bound” 

(Exhibit A), and (3) as to whom the procedures set forth in paragraph 7.4(a)(2), below, have been 

followed];

(c) the court and its personnel;

(d) court reporters and their staff, professional jury or trial consultants, and 

Professional Vendors to whom disclosure is reasonably necessary for this litigation and who have 

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signed the “Acknowledgment and Agreement to Be Bound” (Exhibit A); and

(e) the author or recipient of a document containing the information or a custodian 

or other person who otherwise possessed or knew the information.

7.5 Procedures for Approving or Objecting to Disclosure of “HIGHLY CONFIDENTIAL 

– ATTORNEYS’ EYES ONLY” Information or Items to Designated House Counsel or Experts.

(a)(1) Unless otherwise ordered by the court or agreed to in writing by the 

Designating Party, a Party that seeks to disclose to Designated House Counsel any information or 

item that has been designated “HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY” 

pursuant to paragraph 7.3(b) first must make a written request to the Designating Party that (1) 

sets forth the full name of the Designated House Counsel and the city and state of his or her 

residence, and (2) describes the Designated House Counsel’s current and reasonably foreseeable 

future primary job duties and responsibilities in sufficient detail to determine if House Counsel is 

involved, or may become involved, in any competitive decision-making.

(a)(2) Unless otherwise ordered by the court or agreed to in writing by the 

Designating Party, a Party that seeks to disclose to an Expert (as defined in this Order) any 

information or item that has been designated “HIGHLY CONFIDENTIAL – ATTORNEYS’ 

EYES ONLY” pursuant to paragraph 7.3(c) first must make a written request to the Designating 

Party that (1) identifies the general categories of “HIGHLY CONFIDENTIAL – ATTORNEYS’ 

EYES ONLY” information that the Receiving Party seeks permission to disclose to the Expert, (2) 

sets forth the full name of the Expert and the city and state of his or her primary residence, (3) 

attaches a copy of the Expert’s current resume, (4) identifies the Expert’s current employer(s), (5) 

identifies each person or entity from whom the Expert has received compensation or funding for 

work in his or her areas of expertise or to whom the expert has provided professional services, 

including in connection with a litigation, at any time during the preceding five years, and (6) 

identifies (by name and number of the case, filing date, and location of court) any litigation in 

connection with which the Expert has offered expert testimony, including through a declaration, 

report, or testimony at a deposition or trial, during the preceding five years.

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(b) A Party that makes a request and provides the information specified in the 

preceding respective paragraphs may disclose the subject Protected Material to the identified 

Designated House Counsel or Expert unless, within 14 days of delivering the request, the Party 

receives a written objection from the Designating Party. Any such objection must set forth in detail the 

grounds on which it is based.

(c) A Party that receives a timely written objection must meet and confer with the 

Designating Party (through direct voice to voice dialogue) to try to resolve the matter by 

agreement within seven days of the written objection. If no agreement is reached, the Party 

seeking to make the disclosure to Designated House Counsel or the Expert may file a motion as 

provided in Civil Local Rule 7 (and in compliance with Civil Local Rule 79-5 and General Order 

62, if applicable) seeking permission from the court to do so. Any such motion must describe the 

circumstances with specificity, set forth in detail the reasons why the disclosure to Designated 

House Counsel or the Expert is reasonably necessary, assess the risk of harm that the disclosure 

would entail, and suggest any additional means that could be used to reduce that risk. In addition, 

any such motion must be accompanied by a competent declaration describing the parties’ efforts to 

resolve the matter by agreement (i.e., the extent and the content of the meet and confer 

discussions) and setting forth the reasons advanced by the Designating Party for its refusal to 

approve the disclosure.

In any such proceeding, the Party opposing disclosure to Designated House Counsel or the 

Expert shall bear the burden of proving that the risk of harm that the disclosure would entail 

(under the safeguards proposed) outweighs the Receiving Party’s need to disclose the Protected 

Material to its Designated House Counsel or Expert.

8. PROTECTED MATERIAL SUBPOENAED OR ORDERED PRODUCED IN OTHER 

LITIGATION 

If a Party is served with a subpoena or a court order issued in other litigation that compels 

disclosure of any information or items designated in this action as “CONFIDENTIAL or “HIGHLY 

CONFIDENTIAL – ATTORNEYS’ EYES ONLY”” that Party must: 

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(a) promptly notify in writing the Designating Party. Such notification shall include a 

copy of the subpoena or court order; 

(b) promptly notify in writing the party who caused the subpoena or order to issue in the 

other litigation that some or all of the material covered by the subpoena or order is subject to this 

Protective Order. Such notification shall include a copy of this Stipulated Protective Order; and 

(c) cooperate with respect to all reasonable procedures sought to be pursued by the 

Designating Party whose Protected Material may be affected.

If the Designating Party timely seeks a protective order, the Party served with the subpoena 

or court order shall not produce any information designated in this action as “CONFIDENTIAL” or 

“HIGHLY CONFIDENTIAL – ATTORNEYS’ EYES ONLY” before a determination by the court from 

which the subpoena or order issued, unless the Party has obtained the Designating Party’s 

permission. The Designating Party shall bear the burden and expense of seeking protection in that 

court of its confidential material – and nothing in these provisions should be construed as authorizing 

or encouraging a Receiving Party in this action to disobey a lawful directive from another court.

9. A NON-PARTY’S PROTECTED MATERIAL SOUGHT TO BE PRODUCED IN THIS 

LITIGATION

(a) The terms of this Order are applicable to information produced by a Non-Party in 

this action and designated as “CONFIDENTIAL” or “HIGHLY CONFIDENTIAL – ATTORNEYS’ 

EYES ONLY.” Such information produced by Non-Parties in connection with this litigation is 

protected by the remedies and relief provided by this Order. Nothing in these provisions should be 

construed as prohibiting a Non-Party from seeking additional protections. 

(b) In the event that a Party is required, by a valid discovery request, to produce a NonParty’s confidential information in its possession, and the Party is subject to an agreement with the 

Non-Party not to produce the Non-Party’s confidential information, then the Party shall: 

(1) promptly notify in writing the Requesting Party and the Non-Party that some or 

all of the information requested is subject to a confidentiality agreement with a Non-Party;

(2) promptly provide the Non-Party with a copy of the Stipulated Protective Order 

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in this litigation, the relevant discovery request(s), and a reasonably specific description of the 

information requested; and 

(3) make the information requested available for inspection by the Non-Party. 

(c) If the Non-Party fails to object or seek a protective order from this court within 14 

days of receiving the notice and accompanying information, the Receiving Party may produce the 

Non-Party’s confidential information responsive to the discovery request. If the Non-Party timely 

seeks a protective order, the Receiving Party shall not produce any information in its possession or 

control that is subject to the confidentiality agreement with the Non-Party before a determination 

by the court. Absent a court order to the contrary, the Non-Party shall bear the burden and expense 

of seeking protection in this court of its Protected Material.

10. UNAUTHORIZED DISCLOSURE OF PROTECTED MATERIAL

If a Receiving Party learns that, by inadvertence or otherwise, it has disclosed Protected 

Material to any person or in any circumstance not authorized under this Stipulated Protective Order, 

the Receiving Party must immediately (a) notify in writing the Designating Party of the unauthorized 

disclosures, (b) use its best efforts to retrieve all unauthorized copies of the Protected Material, (c) 

inform the person or persons to whom unauthorized disclosures were made of all the terms of this 

Order, and (d) request such person or persons to execute the “Acknowledgment and Agreement to 

Be Bound” that is attached hereto as Exhibit A.

11. INADVERTENT PRODUCTION OF PRIVILEGED OR OTHERWISE PROTECTED 

MATERIAL

When a Producing Party gives notice to Receiving Parties that certain inadvertently 

produced material is subject to a claim of privilege or other protection, the obligations of the 

Receiving Parties are those set forth in Federal Rule of Civil Procedure 26(b)(5)(B). This provision 

is not intended to modify whatever procedure may be established in an e-discovery order that 

provides for production without prior privilege review. Pursuant to Federal Rule of Evidence 502(d) 

and (e), insofar as the parties reach an agreement on the effect of disclosure of a communication or 

information covered by the attorney-client privilege or work product protection, the parties may 

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incorporate their agreement in the stipulated protective order submitted to the court.

12. UNAUTHORIZED OR INADVERTENT DISCLOSURE TO NPPI IN “CONFIDENTIAL” 

INFORMATION.

If an inadvertent or unauthorized disclosure of NPPI in Confidential Information produced 

by Defendants should occur, the person(s) from whose possession, custody or control the inadvertent 

or unauthorized disclosure occurred shall immediately inform Defendants of all pertinent facts 

relating to the disclosure and the nature and extent of the NPPI involved. Defendants shall 

determine, within Defendants’ sole discretion, whether notification of law enforcement or 

regulatory authorities is appropriate.

13. MISCELLANEOUS

13.1 Right to Further Relief. Nothing in this Order abridges the right of any person to seek 

its modification by the court in the future, and nothing in this Protective Order shall be construed to 

prevent a Party from seeking such further provisions enhancing or limiting confidentiality as may 

be appropriate.

13.2 Right to Assert Other Objections. By stipulating to the entry of this Protective Order 

no Party waives any right it otherwise would have to object to disclosing or producing any 

information or item on any ground not addressed in this Stipulated Protective Order. Similarly, no 

Party waives any right to object on any ground to use in evidence of any of the material covered by 

this Protective Order.

13.3 Filing Protected Material. Without written permission from the Designating Party or 

a court order secured after appropriate notice to all interested persons, a Party may not file in the 

public record in this action any Protected Material. A Party that seeks to file under seal any Protected 

Material must comply with Civil Local Rule 79-5. Protected Material may only be filed under seal 

pursuant to a court order authorizing the sealing of the specific Protected Material at issue. Pursuant 

to Civil Local Rule 79-5, a sealing order will issue only upon a request establishing that the Protected 

Material at issue is privileged, protectable as a trade secret, or otherwise entitled to protection under 

the law. If a Receiving Party's request to file Protected Material under seal pursuant to Civil Local 

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Rule 79-5(d) is denied by the court, then the Receiving Party may file the information in the public 

record pursuant to Civil Local Rule 79-5(e) unless otherwise instructed by the court.

13.4 Waiver. No action taken in accordance with this Protective Order shall be construed 

as a waiver of any claim or defense in the action or of any position as to discoverability or 

admissibility of evidence. Neither the entry of this Order nor the designation of any information as 

“Confidential,” nor the failure to make such designation, shall constitute evidence with respect to 

any issue in this action.

13.5 The Court retains the right to allow disclosure of any subject covered by this 

stipulation or to modify this stipulation at any time in the interest of justice.

14. FINAL DISPOSITION

Within 60 days after the final disposition of this action, as defined in paragraph 4, each 

Receiving Party must return all Protected Material to the Producing Party or destroy such material. 

As used in this subdivision, “all Protected Material” includes all copies, abstracts, compilations, 

summaries, and any other format reproducing or capturing any of the Protected Material. Whether 

the Protected Material is returned or destroyed, the Receiving Party must submit a written 

certification to the Producing Party (and, if not the same person or entity, to the Designating Party) 

by the 60 day deadline that (1) identifies (by category, where appropriate) all the Protected Material 

that was returned or destroyed and (2)affirms that the Receiving Party has not retained any copies, 

abstracts, compilations, summaries or any other format reproducing or capturing any of the 

Protected Material. Notwithstanding this provision, Counsel are entitled to retain an archival copy 

of all pleadings, motion papers, trial, deposition, and hearing transcripts, legal memoranda, 

correspondence, deposition and trial exhibits, expert reports, attorney work product, and consultant 

and expert work product, even if such materials contain Protected Material. Any such archival 

copies that contain or constitute Protected Material remain subject to this Protective Order as set 

forth in Section 4 (DURATION).

IT IS SO STIPULATED, THROUGH COUNSEL OF RECORD.

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Dated: July 31, 2015 /s/ Mark F Anderson

Mark F. Anderson

Anderson, Ogilvie & Brewer, LLP

Attorney for Plaintiffs

Dated: July 31, 2015 /s/ Kerry C. Fowler

JONES DAY

Attorneys for Defendant Experian Information Solutions, Inc.

Dated: July 31, 2015 /s/ Thomas P. Quinn

NOKES & QUINN

Attorneys for Defendant Equifax Information Services, LLC

Dated: July 31, 2015 /s/ Steven E. Rich

MAYER BROWN LLP

Attorneys for Defendant CitiMortgage, Inc.

Dated: July 31, 2015 /s/ Justin T. Walton

SCHUCKIT & ASSOCIATES, PC

Attorneys for Defendant Trans Union LLC

PURSUANT TO STIPULATION, IT IS SO ORDERED.

Dated: August ___, 2015.

____________________________

Judge of the United States District 

FILER ATTESTATION

Pursuant to Civil Local Rule 5.1(i)(3), I, Mark Anderson attest under penalty of perjury 

under the laws of the United States that concurrence in the filing of this document has been obtained 

from all of the signatories. 

Dated: July 31, 2015. /s/ Mark F. Anderson

 Mark F. Anderson

3

U

NITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

IT IS SO ORDERED

Judge Edward M. Chen

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EXHIBIT A

ACKNOWLEDGMENT AND AGREEMENT TO BE BOUND

I, _____________________________ [print or type full name], of _________________ [print or 

type full address], declare under penalty of perjury that I have read in its entirety and understand the 

Stipulated Protective Order that was issued by the United States District Court for the Northern 

District of California on [date] in the case of ___________ [insert formal name of the case and 

the number and initials assigned to it by the court]. I agree to comply with and to be bound by 

all the terms of this Stipulated Protective Order and I understand and acknowledge that failure to so 

comply could expose me to sanctions and punishment in the nature of contempt. I solemnly promise 

that I will not disclose in any manner any information or item that is subject to this Stipulated 

Protective Order to any person or entity except in strict compliance with the provisions of this Order.

I further agree to submit to the jurisdiction of the United States District Court for the Northern 

District of California for the purpose of enforcing the terms of this Stipulated Protective Order, even 

if such enforcement proceedings occur after termination of this action.

I hereby appoint __________________________ [print or type full name] of 

_______________________________________ [print or type full address and telephone number] 

as my California agent for service of process in connection with this action or any proceedings 

related to enforcement of this Stipulated Protective Order.

Date: ______________________________________

City and State where sworn and signed: _________________________________

Printed name: _______________________________

Signature: __________________________________

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