Document ID: ./input/supremecourt_opinions/opinions/20pdf/20-297_4g25.pdf
Page Number: 28.0

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TRANSUNION LLC v. RAMIREZ 

Opinion of the Court 

to demonstrate that the reports of any particular number of 
the  6,332  class  members  were  sent  to  third-party  busi-
nesses.    The  plaintiffs’  attorneys  could  have  attempted  to 
show that some or all of the 6,332 class members were in-
jured in that way.  They presumably could have sought the
names and addresses of those individuals, and they could 
have contacted them.  In the face of the stipulation, which
pointedly  failed  to  demonstrate  dissemination  for  those
class members, the inferences on which the plaintiffs rely
are insufficient to support standing.  Cf. Interstate Circuit, 
Inc. v. United States, 306 U. S. 208, 226 (1939) (“The pro-
duction of weak evidence when strong is available can lead 
only to the conclusion that the strong would have been ad-
verse”).

In  sum,  the  6,332  class  members  whose  internal 
TransUnion  credit  files  were  not  disseminated  to  third-
party  businesses  did  not  suffer  a  concrete  harm.    By  con-
trast, the 1,853 class members (including Ramirez) whose 
credit reports were disseminated to third-party businesses 
during the class period suffered a concrete harm. 

B 
We next address the plaintiffs’ standing to recover dam-
ages for two other claims in the complaint: the disclosure 
claim and the summary-of-rights claim.  Those two claims 
are intertwined. 

In  the  disclosure  claim,  the  plaintiffs  alleged  that
TransUnion  breached  its  obligation  to  provide  them  with 
their complete credit files upon request.  According to the 
plaintiffs,  TransUnion  sent  the  plaintiffs  copies  of  their
credit files that omitted the OFAC information, and then in 
a  second  mailing  sent  the  OFAC  information. 
See 
§1681g(a)(1).  In the summary-of-rights claim, the plaintiffs 
further asserted that TransUnion should have included an-
other summary of rights in that second mailing—the mail-
ing that included the OFAC information.  See §1681g(c)(2).