Opinion ID: 4510978
Heading Depth: 3
Heading Rank: 3

Heading: Summary-of-Rights Claim

Text: Under 15 U.S.C. § 1681g(c)(2), TransUnion was required to provide a summary of rights “with each written disclosure” it sent to consumers pursuant to a consumer file request. TransUnion argues that it was reasonable to send the summary of rights with the first mailing, the consumer report, and assume that the class members would understand that the summary of rights also applied to the second mailing, the OFAC Letter. But as explained above, the two mailings clearly indicated that they were separate, rather than components of one disclosure. And the language of the statute is clear: A summary of rights must be sent with each written disclosure. Therefore, there was sufficient evidence to find a willful violation of § 1681g(c)(2) because any reasonable CRA would have known that TransUnion’s interpretation was in error. See Syed, 853 F.3d at 504–06. RAMIREZ V. TRANSUNION 39