Adam Hardwrict v. TransUnion LLC, et al.

Summary

The United States District Court for the Eastern District of Missouri grants Adam Hardwrict’s application to proceed without prepaying filing fees in his Fair Credit Reporting Act action. The court finds that the amended complaint’s allegations are conclusory and insufficient to state a plausible claim, but allows Plaintiff 30 days to file a second amended complaint with more specific factual allegations. The court also denies as moot Plaintiff’s motion for status of his in forma pauperis application.

Holdings

1. The amended complaint failed to state a plausible FCRA cause of action because its conclusory allegations did not identify the specific inaccurate information, the responsible Defendant, the nature of the disputes, the recipients of the disputes, or the required notice and investigation failures.
2. Plaintiff's application to proceed without prepayment of fees and costs was granted based on the financial information provided.
3. Plaintiff was ordered to file a second amended complaint within 30 days on the Court-provided form, with specific factual allegations supporting each claim and Defendant's involvement.

Questions Presented

1. Whether Plaintiff's amended complaint stated a plausible Fair Credit Reporting Act claim against the consumer reporting agencies and furnishers.
2. Whether Plaintiff should be permitted to proceed without prepaying the filing fee.
3. Whether Plaintiff should be granted leave to file a second amended complaint rather than have the action dismissed at initial screening.

Disposition

other