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Jeffery Howe, et al. v. Bank of America Corporation

November 17, 2011

JEFFERY HOWE, ET AL.
v.
BANK OF AMERICA CORPORATION, ET AL.



The opinion of the court was delivered by: The Honorable Percy Anderson, United States District Judge

CIVIL MINUTES - GENERAL

Present: The Honorable PERCY ANDERSON, UNITED STATES DISTRICT JUDGE

Paul Songco

Deputy Clerk Court Reporter Tape No.

Attorneys Present for Plaintiffs: Attorneys Present for Defendants:

Proceedings: ORDER TO SHOW CAUSE

Before the Court is a Complaint filed by plaintiffs Jeffery Howe and Cheryl Howe (collectively "Plaintiffs"). Plaintiffs have sued defendants Bank of America Corporation, American Honda Finance Corporation, TransUnion LLC, Experian Information Solutions, Inc., Equifax Information Services, LLC, and Does 1-10 (collectively "Defendants") under various provisions of the Fair Credit Reporting Act ("FCRA"), Rosenthal Fair Debt Collection Practices Act ("RFDCPA"), and the California Consumer Credit Reporting Agencies Act.

According to Count 1 of the Complaint, Bank of America improperly failed to credit a deposit into Plaintiffs' bank account, and thus Bank of America's report to the major credit agencies was inaccurate. (Compl. ¶¶ 10-15.) Plaintiffs do not allege whether the account is a joint account or on what type of payment to Bank of America they were determined to be past due. Defendants also allege that Bank of America's collection efforts violated the RFDCPA.

According to Count 2, Plaintiffs leased a Honda vehicle, obtaining a loan from American Honda Finance Corporation ("Honda Finance"). Honda Finance allegedly forwarded the payment information to the wrong address with the wrong name, thus resulting in late payments by Plaintiffs. Plaintiffs allege that Honda Finance entered into a settlement with them that was breach when Honda "failed to remove the derogatories [sic]" from their credit profile. (Id. ¶¶ 16-17.) Defendants also allege that Honda Finance's collection efforts violated the RFDCPA.

The only factual allegations common to these claims appears to be that the derogatory information was sent to the credit agencies (defendants TransUnion, Experian and Equifax), and that the Defendants all allegedly violated the Fair Credit Reporting Act. (Id. ¶¶ 18-25.) Plaintiffs do not allege that the Bank of America payment or account is related to the Honda Finance payment or account.

UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA

CIVIL MINUTES - GENERAL

Case No. CV 11-6992 PA ...


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