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Larry Montgomery v. Pnc Bank

August 6, 2012




Plaintiff Larry Montgomery ("Montgomery") brings this action against Defendant PNC Bank, National Association ("PNC") for 18 improper credit reporting. Specifically, Montgomery alleges that 19 PNC improperly reported his account as delinquent even though the 20 bank was aware that Montgomery's debts had been discharged through 21 bankruptcy. ECF No. 1 ("Not. of Removal") Ex. A ("Compl.") ¶¶ 15-22 17. PNC now moves to dismiss the action pursuant to Federal Rule 23 of Civil Procedure 12(b)(6). ECF No. 6 ("MTD").*fn1 The motion is 24 fully briefed, ECF Nos. 11, ("Opp'n"), 16 ("Reply"), and the Court 25 finds the matter appropriate for determination without oral argument, see Civ. L. Rule 7-1(b). As detailed herein, PNC's 2 motion to dismiss is GRANTED and this action is DISMISSED WITH PREJUDICE.


Montgomery filed a voluntary Chapter 7 bankruptcy petition on March 8, 2010. Compl. ¶ 12. As a result of the bankruptcy 8 proceedings that followed, Montgomery was granted a discharge of 9 all dischargeable debts pursuant to 11 U.S.C. § 727. Id. ¶ 13.

Montgomery alleges that this discharge included his $993,750 debt For the Northern District of California court to PNC. Id. ¶¶ 13, 15. On April 7, 2011, Montgomery sent a letter to the credit reporting agency Experian, contesting the inclusion of certain information in his credit profile. Id. ¶ 16, Ex. A ("Experian Ltr."). Referring to Montgomery's PNC account ending 8530, the letter stated: "This account was included in my bankruptcy. This account should not be reporting a high balance, lates, charge-offs, and should be reflecting a 0 balance. Remove 18 these delinquent items now." Experian Ltr. 19

Montgomery alleges that, despite his letter to Experian, PNC continued to improperly report his credit and also failed to report to Experian that his account information was disputed. Compl. ¶ 17. Montgomery specifically points to a May 28, 2011 Experian 23 credit report, which is attached to the Complaint as Exhibit C.

Id. With respect to the PNC account identified in the Complaint, 25 the credit report describes the "Recent balance" and "Monthly Payment" as "Not reported." Id. Ex. C. It further states:

"Account transferred to another lender," and "Status: Transferred, 28 closed." Id. The document does not report a "high balance," "lates," or "charge-offs" for the account. Nor does it indicate 2 that the account is delinquent. The credit report also refers to 3 another PNC account, which is described as "Discharged through Bankruptcy Chapter 7." Id. Montgomery alleges that PNC refuses to 5 correct his credit report despite being noticed of his bankruptcy 6 and re-noticed of the inaccurate reporting. Compl. ¶ 18.

Superior Court of the State of California in and for the County of Montgomery asserts nine causes of action: (1) violation of the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(b); (2) violation of the California Song-Beverly Credit Card Act, Cal. Civ. Code § 1747, et seq.; (3) violation of the Consumer Credit Reporting Agencies Act, Cal. Civ. Code § 1785.25(a); (4) violation of the California Unfair libel; (6) intentional infliction of emotional distress; (7) negligent infliction of emotional distress; (8) deceit; and (9) 18 constructive fraud. 19 20 A motion to dismiss under Federal Rule of Civil Procedure 12(b)(6) "tests the legal sufficiency of a claim." Navarro v. On April 12, 2012, Montgomery filed the instant action in the Alameda. The case was subsequently removed to federal court.

Competition Law, Cal. Bus. & Prof. Code § 17200, et seq.; (5)


Block, 250 F.3d 729, 732 (9th Cir. 2001). "Dismissal can be based 24 on the lack of a cognizable legal theory or the absence of 25 sufficient facts alleged under a cognizable legal theory." 26 1988). "When there are well-pleaded factual allegations, a court 28 should assume their veracity and then determine whether they Balistreri v. Pacifica Police Dep't, 901 F.2d 696, 699 (9th Cir. plausibly give rise to an entitlement to relief." Ashcroft v. Iqbal, 129 S. Ct. 1937, 1950 (2009). However, "the tenet that a 3 court must accept as true all of the allegations contained in a 4 complaint is inapplicable to legal conclusions. Threadbare 5 recitals of the elements of a cause of action, supported by mere 6 conclusory statements, do not suffice." Id. (citing Bell Atl. 7

Corp. v. Twombly, 550 U.S. 544, 555 (2007)). The allegations made 8 in a complaint must be both "sufficiently detailed to give fair 9 notice to the opposing party of the nature of the claim so that the 10 party may effectively defend against it" and "sufficiently plausible" such that "it is not unfair to require the opposing party to be ...

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