Opinion ID: 2647902
Heading Depth: 3
Heading Rank: 2

Heading: Facts Giving Rise to Current Lawsuit

Text: According to Mr. Eller, he again began noticing questionable entries on his credit report in late 2007. In February 2008, Mr. Eller sent Trans Union and other credit reporting agencies a document titled “Final Notice,” in which he alleged the credit reporting agencies were “wrongfully, willfully, and purposefully reporting inaccurate and -4- untruthful student loan information.” Aplt. Appx. Vol. I at 192. Mr. Eller threatened to take legal action, see id. at 193, but did not bring suit at that point. In December 2008, Mr. Eller received another Trans Union credit report, this time containing a report of a delinquent DirecTV account sought by the collection company NCO Financial. Mr. Eller later testified that this account was not his and that he suspected it belonged to Mr. Willard. Evidence at trial indicated that the NCO Financial account appeared on additional credit reports dated as early as March 2008, but Mr. Eller did not report the allegedly erroneous entry to Trans Union until he filed his initial complaint in January 2009.