Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-cand-5_16-cv-02162/USCOURTS-cand-5_16-cv-02162-0/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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United States District Court

Northern District of California

UNITED STATES DISTRICT COURT

NORTHERN DISTRICT OF CALIFORNIA

SAN JOSE DIVISION

ARTHUR HARRIS,

Plaintiff,

v.

EXPERIAN INFORMATION SOLUTIONS, 

INC., et al.,

Defendants.

Case No. 16-cv-02162-BLF 

ORDER GRANTING DEFENDANT TD 

BANK USA, N.A.’S MOTION TO 

DISMISS THE FIRST AMENDED 

COMPLAINT WITH LEAVE TO 

AMEND

[RE: ECF 41]

On October 6, 2016, the Court conducted a hearing on the motion of Defendant TD Bank, 

USA, N.A. (“TD Bank”) to dismiss the first amended complaint (“FAC”) pursuant to Federal Rule 

of Civil Procedure 12(b)(6). The FAC alleges violations of the Fair Credit Reporting Act, 15 

U.S.C. § 1681s-2, and the California Consumer Credit Reporting Agencies Act, Cal. Civ. Code § 

1785.25(a). With respect to TD Bank, the claims are based upon TD Bank’s allegedly improper 

reporting that Plaintiff’s account had an amount owing of $800.00 and was in collections. See

FAC ¶¶ 5-10, ECF 39. Plaintiff alleges that that reporting was inaccurate and misleading in light 

of the Bankruptcy Court’s confirmation of Plaintiff’s Chapter 13 plan providing that $0.00 would 

be paid on the account. See id. 

At the commencement of the hearing, Plaintiff’s counsel acknowledged that these 

allegations were confusing, in that he had not meant to allege that TD Bank had reported that the 

$800.00 was past due. Counsel represented that this and other deficiencies in the FAC easily 

could be cured by amendment and proposed that the motion to dismiss be granted with leave to 

amend. In light of counsel’s comments, and absent objection by counsel for TD Bank, the Court 

GRANTS the motion to dismiss WITH LEAVE TO AMEND.

Case 5:16-cv-02162-BLF Document 60 Filed 10/06/16 Page 1 of 2
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United States District Court

Northern District of California

Any amended pleading shall be filed on or before November 3, 2016. Leave to amend is 

limited to the claims set forth in the first amended complaint. Plaintiff may not add additional 

claims or parties without express leave of the Court.

IT IS SO ORDERED.

Dated: October 6, 2016

 ______________________________________

BETH LABSON FREEMAN

United States District Judge

Case 5:16-cv-02162-BLF Document 60 Filed 10/06/16 Page 2 of 2