Vanessa Peacock v. Truity Credit Union; Equifax Information Services, LLC; Experian Information Solutions, Inc.; and TransUnion, LLC

Peacock · United States District Court for the Western District of Tennessee, Western Division · June 2, 2026 · No. 2:26-cv-02200-SHL-cgc

Summary

The court construed Plaintiff Vanessa Peacock’s notices of voluntary dismissal under Federal Rule of Civil Procedure 41 as motions to drop individual defendants under Rule 21 because the case involved multiple defendants. The court dismissed with prejudice all claims against Experian Information Solutions, Inc., Truity Credit Union, and TransUnion, LLC, while leaving Peacock’s claims against Equifax Information Services, LLC, pending.

Court
United States District Court for the Western District of Tennessee, Western Division
Writing for the Court
Sheryl H. Lipman
Jurisdiction
United States District Court for the Western District of Tennessee, Western Division
Decision date
June 2, 2026
Docket number
2:26-cv-02200-SHL-cgc
Procedural posture
Plaintiff filed notices of voluntary dismissal under Federal Rule of Civil Procedure 41(a)(1)(A)(i) as to three defendants while claims against a fourth defendant remained pending. The court construed the notices as motions to drop parties under Rule 21 and dismissed the claims against the three identified defendants with prejudice.
Standard of review
The court applied the Federal Rules of Civil Procedure to determine the proper procedural mechanism for dismissing individual defendants; no appellate standard of review was applicable.
Precedential value
Unknown
Parties
Vanessa Peacock v. Truity Credit Union, Equifax Information Services, LLC, Experian Information Solutions, Inc., TransUnion, LLC
Disposition
dismissed

Topics

civil proceduremotions to dismiss

Practice areas

civil procedureconsumer protection

Questions Presented

  1. Whether a plaintiff may dismiss individual defendants in a multi-defendant action through notices under Federal Rule of Civil Procedure 41(a)(1)(A)(i).
  2. Whether the court should construe the notices as motions under Federal Rule of Civil Procedure 21 and dismiss the three identified defendants with prejudice.

Holdings

  1. When a plaintiff seeks to dismiss a single defendant rather than the entire lawsuit in a multi-defendant action, Federal Rule of Civil Procedure 21, rather than Rule 41, provides the appropriate basis for dismissal.
  2. The claims against Experian Information Solutions, Inc., Truity Credit Union, and TransUnion, LLC, were dismissed with prejudice under Rule 21, while the claims against Equifax Information Services, LLC, remained pending.

Key quotations

Rule 21 provides the appropriate basis for dismissal of a single defendant
Thus, all claims against Defendants Experian Information Solutions, Inc.; Truity Credit Union; and TransUnion, LLC, are DISMISSED WITH PREJUDICE under Rule 21.

Factual background

Peacock sued Truity Credit Union, Equifax Information Services, LLC, Experian Information Solutions, Inc., and TransUnion, LLC. She sought to dismiss Experian, Truity, and TransUnion with prejudice, while preserving her claims against Equifax. The three defendants had not filed answers or motions for summary judgment.

Procedural history

Vanessa Peacock filed three notices of voluntary dismissal on May 15, May 20, and June 1, 2026, seeking dismissal of Experian Information Solutions, Inc., Truity Credit Union, and TransUnion, LLC. None of those defendants had filed an answer or a motion for summary judgment. Because the action involved multiple defendants and claims against Equifax Information Services, LLC remained pending, the court treated the notices as Rule 21 motions and dismissed the three defendants with prejudice.

Court Document

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