Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-almd-3_09-cv-00721/USCOURTS-almd-3_09-cv-00721-1/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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IN THE DISTRICT COURT OF THE UNITED STATES FOR THE

MIDDLE DISTRICT OF ALABAMA, EASTERN DIVISION

DONALD HOWARD and )

GLORIA HOWARD, )

)

Plaintiffs, )

) CIVIL ACTION NO.

v. ) 3:09cv721-MHT

) (WO) 

AMERICAN GENERAL FINANCE )

CORPORATION, )

)

Defendant. )

OPINION

Plaintiffs Donald and Gloria Howard filed suit

against defendant American General Finance Corporation

for violations of the Fair Credit Reporting Act, 15

U.S.C. § 1681 et seq., and the Alabama Deceptive Trade

Practices Act, 1975 Ala. Code, § 8-19-1 et seq., and for

state common-law causes of action, claiming the company

intentionally continued to collect and report on the

Howards’ debtor accounts though they had been discharged

by bankruptcy. Jurisdiction in this case is proper under

15 U.S.C. § 1681p of the Fair Credit Reporting Act and

pursuant to the court’s federal-question jurisdiction

Case 3:09-cv-00721-MHT-SRW Document 27 Filed 10/15/09 Page 1 of 2
under 28 U.S.C. § 1331 and supplemental jurisdiction

under 28 U.S.C. § 1367. 

The lawsuit is now before the court on American

General’s motion to compel arbitration and stay judicial

proceedings based on a note and security agreement

between the parties, which contains a binding arbitration

provision, and pursuant to § 5 of the Federal Arbitration

Act, 9 U.S.C. § 5. As the Howards have conceded American

General’s motion, an appropriate judgment will be

entered. 

DONE, this the 15th day of October, 2009.

 /s/ Myron H. Thompson 

UNITED STATES DISTRICT JUDGE

Case 3:09-cv-00721-MHT-SRW Document 27 Filed 10/15/09 Page 2 of 2