Dutta v. State Farm Mutual Automobile Insurance Co.

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The Ninth Circuit affirmed the district court's grant of summary judgment in favor of State Farm in an action alleging violations of procedural requirements under the Fair Credit Reporting Act (FCRA). Specifically, plaintiff alleged that State Farm was required to provide a job applicant with a copy of his consumer credit report, notice of his FCRA rights, and an opportunity to challenge inaccuracies in the report. The panel held that plaintiff waived any challenge to the admissibility of a declaration, which was the only source of admissible proof as to why plaintiff's credit report would have disqualified him from acceptance in the Agency Career Track program. The panel also held that plaintiff lacked Article III standing because he failed to show how the specific violation of 15 U.S.C. 1681b(b)(3)(A) alleged in the complaint actually harmed or presented a material risk of harm to him. View "Dutta v. State Farm Mutual Automobile Insurance Co." on Justia Law