Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-cand-5_15-cv-01869/USCOURTS-cand-5_15-cv-01869-0/pdf.json

Nature of Suit Code: 480
Nature of Suit: Consumer Credit
Cause of Action: 28:1441 Petition for Removal - Fair Credit Reporting Act

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Case No.15-CV-01869-LHK 

ORDER GRANTING MOTION TO COMPEL ARBITRATION 

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United States District Court

Northern District of California

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

SAN JOSE DIVISION

LUZVIMINDA LUMAQUIN,

Plaintiff,

v.

EXPERIAN INFORMATION SOLUTIONS 

INC., et al.,

Defendants.

Case No.15-CV-01869-LHK 

ORDER GRANTING MOTION TO 

COMPEL ARBITRATION

Re: Dkt. No. 7

Plaintiff Luzviminda Lumaquin (“Plaintiff”) brings this action against defendants Experian 

Information Solutions, Inc.; Equifax, Inc.; CashCall, Inc. (“CashCall”); LoanMart; and Enhanced 

Acquisitions, LLC (collectively, “Defendants”). See ECF No. 1-2 (“Compl.”). In the Complaint, 

Plaintiff alleges that Defendants violated the Fair Credit Reporting Act, 15 U.S. § 1681s-2(b), the 

California Consumer Credit Reporting Agencies Act, California Civil Code § 1785.25(a), and 

California’s Unfair Business Practices Act, Business and Professions Code § 17200 et seq. Compl. 

¶¶ 19-35, ¶¶ 58-65. Before the Court is CashCall’s motion to compel arbitration. ECF No. 7 

(“Motion”). In its Motion, CashCall argues that a promissory note Plaintiff executed with 

CashCall in April 2012 contained a binding arbitration provision which requires Plaintiff to submit 

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Case No.15-CV-01869-LHK 

ORDER GRANTING MOTION TO COMPEL ARBITRATION 

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United States District Court

Northern District of California

to arbitration all of the claims alleged in the instant lawsuit against CashCall. Mot. at 2; 6-7.

CashCall requests that the Court (1) order Plaintiff to arbitrate the instant dispute with respect to 

CashCall; and (2) dismiss or stay the instant action as to CashCall. Mot. at 1. No other Defendant 

has moved to compel arbitration, or joined the instant Motion.1 On May 22, 2015, Plaintiff filed a 

statement of non-opposition to the Motion. ECF No. 13.

Pursuant to Civil Local Rule 7-1(b), the Court finds this matter appropriate for resolution 

without oral argument, and hereby VACATES the hearing on this matter currently scheduled for 

September 17, 2015, at 1:30 p.m. The Court hereby GRANTS CashCall’s motion to compel

arbitration and DISMISSES CashCall from this action without prejudice, so that Plaintiff and 

CashCall may proceed with arbitration. See Sparling v. Hoffman Const. Co., 864 F.2d 635, 638 

(9th Cir. 1988) (when granting motion to compel arbitration, district court may at its discretion 

dismiss the suit in lieu of issuing a stay where “the arbitration clause [is] broad enough to bar all 

of plaintiff’s claims); Thinket Ink Info. Res., Inc. v. Sun Microsystems, Inc., 368 F.3d 1053, 1060 

(9th Cir. 2004) (affirming district court’s dismissal of plaintiffs’ claims after district court granted 

motion to compel arbitration); Jones-Mixon v. Bloomingdale’s, Inc., No. 14-CV-01103-JCS, 2014 

WL 2736020, at *10 (N.D. Cal. June 11, 2014) (stating that district courts in the Ninth Circuit 

have dismissed cases upon granting a motion to compel arbitration, and citing and collecting 

authority).

The initial case management conference in this matter, currently scheduled for September 

17, 2015, at 1:30 p.m., remains as set as to Plaintiff and all remaining Defendants.

 

1 On May 26, 2015, Plaintiff filed a notice of settlement stating that Plaintiff and Equifax, Inc. had 

reached a settlement in principle and were in the process of documenting that settlement. ECF No. 

15. On July 21, 2015, Plaintiff voluntarily dismissed LoanMart as to all claims in the instant 

action. ECF No. 17. On August 4, 2015, Experian Information Solutions, Inc. (“Experian”) filed a 

notice of settlement stating that Plaintiff and Experian had reached a settlement and that the parties 

would file a stipulation of dismissal within 90 days. ECF No. 19.

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Case No.15-CV-01869-LHK 

ORDER GRANTING MOTION TO COMPEL ARBITRATION 

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United States District Court

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IT IS SO ORDERED.

Dated: August 7, 2015

______________________________________

LUCY H. KOH

United States District Judge

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