Facts

Latonya R. Finley sued Plaza Services, a furnisher of credit information to credit reporting agencies, and credit reporters Experian, Equifax, and Trans, for allegedly violating the Federal Credit Reporting Act and California law. The defendant successfully moved to have the original, first and second amended complaints dismissed for Plaintiff's failure to plead facts sufficient to support her causes of action. Plaintiff then filed a third amended complaint and Defendant moved dismissed that complaint as well.

PLAINTIFF'S CONTENTIONS: Plaintiff contended that Defendants violated the FCRA and state laws when they misrepresented Plaintiff's debt and reported the incorrect balance to consumer reporting agencies. Plaintiff contended further that Defendants failed to provide any useful or clarifying information to her in response to Plaintiff's request that the debt be validated. Plaintiff also contended that Defendants did not adequately investigate the dispute and instead, took aggressive action against Plaintiff.

DEFENDANTS' CONTENTIONS: Defendants contended that Plaintiff has not addressed the deficiencies that the court previously identified to properly plead facts sufficient to support a plausible complaint.

Result

The complaint was dismissed without leave to amend.