Question

When Samuel Grant sued his landlord, the landlord filed a counterclaim. Grant later was awarded a $608 judgment against the landlord, with the landlord receiving a $476.10 judgment against Grant on the counterclaim. This left Grant with a net judgment of $131.90. Approximately one year after the above case, Texaco denied Grant's application for a credit card. Texaco did so on the basis of a credit report prepared by TRW, Inc. This credit report stated that a judgment of approximately $400 had been entered against Grant in the above-described litigation between Grant and his landlord. Grant then informed TRW that the litigation involving his landlord had resulted in a net judgment in Grant's favor. TRW eventually sent Grant an "Updated Credit Profile" showing that the $400 judgment had been deleted from his file. Several months later, Grant again applied for a Texaco credit card. Texaco again denied his application because a newly issued TRW credit report indicated that a $400 judgment had been entered against him in the case involving his landlord. Grant then sued TRW on the theory that TRW had violated the Fair Credit Reporting Act (FCRA). TRW moved to dismiss the case. Should Grant's FCRA case be dismissed?



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  • CreatedJuly 16, 2014
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