Case Name: Robert TOWNSEND, Plaintiff-Appellant, v. BANK OF AMERICA, N.A.; et al., Defendants-Appellees
Court: United States Court of Appeals for the Ninth Circuit
Jurisdiction: United States
Decision Date: 2011-08-01
Citations: 445 F. App'x 908
Docket Number: No. 09-55436
Parties: Robert TOWNSEND, Plaintiff-Appellant, v. BANK OF AMERICA, N.A.; et al., Defendants-Appellees.
Judges: Before: SCHROEDER, ALARCÓN, and LEAVY, Circuit Judges.
Reporter: West's Federal Appendix
Volume: 445
Pages: 908–909

Head Matter:
Robert TOWNSEND, Plaintiff-Appellant, v. BANK OF AMERICA, N.A.; et al., Defendants-Appellees.
No. 09-55436.
United States Court of Appeals, Ninth Circuit.
Submitted July 12, 2011.
Filed Aug. 1, 2011.
Robert H. Townsend, Jr., Robert Townsend & Associates, Dana Point, CA, pro se.
Timothy P. Johnson, Law Offices of Timothy P. Johnson, Tustin, CA, Stephen Michael MacPhail, Bragg and Kuluva, Los Angeles, CA, for Defendants-Appellees.
Before: SCHROEDER, ALARCÓN, and LEAVY, Circuit Judges.
The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R.App. P. 34(a)(2). Accordingly, Townsend's request for oral argument is denied.

Opinion:
MEMORANDUM
Robert Townsend appeals pro se from the district court's judgment dismissing his action alleging, among other claims, violations of the federal and California Fair Debt Collection Practices Acts ("FDCPA") and the Fair Credit Reporting Act ("FCRA"). We have jurisdiction under 28 U.S.C. § 1291. We review de novo a dismissal for failure to state a claim, Guerrero v. RJM Acquisitions LLC, 499 F.3d 926, 932 (9th Cir.2007) (per curiam), and for an abuse of discretion a denial of leave to amend, Chodos v. West Publ'g Co., 292 F.3d 992, 1003 (9th Cir.2002). We may affirm on any ground supported by the record, Johnson v. Riverside Healthcare Sys., LP, 534 F.3d 1116, 1121 (9th Cir. 2008), and we affirm.
Townsend failed to state a claim under the federal or California FDCPA because the "least sophisticated debtor" would not "likely be misled" by defendants' letters. Guerrero, 499 F.3d at 934; see also 15 U.S.C. § 1692e-1692f; Cal. Civ.Code § 1788.13, 1788.17. Accordingly, the FDCPA claims were properly dismissed.
The district court properly dismissed the FCRA claims because there is no private right of action under 15 U.S.C. § 1681s-2(a), see Nelson v. Chase Manhattan Mortgage Corp., 282 F.3d 1057, 1059-60 (9th Cir.2002), and Townsend did not allege that he notified a credit reporting agency of his dispute, as required to trigger the duties set forth in 15 U.S.C. § 1681s-2(b), see Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 (9th Cir.2009) (duties under § 1681s-2(b) arise only after the furnisher of financial information receives notice of the consumer's dispute from a credit reporting agency), cert. denied, FIA Card Servs., N.A. v. Gorman, -U.S.-, 131 S.Ct. 71, 178 L.Ed.2d 23 (2010).
The district court did not abuse its discretion by denying leave to amend to file a third amended complaint. See Chodos, 292 F.3d at 1003.
Townsend's remaining contentions, including those concerning his RICO and defamation claims, are unpersuasive.
AFFIRMED.
This disposition is not appropriate for publication and is not precedent except as provided by 9th Cir. R. 36-3.