Experian Information Solutions Inc. v. Ataeva, LLC

CourtDistrict Court, C.D. California
DecidedFebruary 3, 2025
Docket8:24-cv-02254
StatusUnknown

This text of Experian Information Solutions Inc. v. Ataeva, LLC (Experian Information Solutions Inc. v. Ataeva, LLC) is published on Counsel Stack Legal Research, covering District Court, C.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Experian Information Solutions Inc. v. Ataeva, LLC, (C.D. Cal. 2025).

Opinion

UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA CIVIL MINUTES — GENERAL ‘0’ Case No. 8:24-cv-02254-CAS (JDEx) Date February 3, 2025 Title Experian Information Solutions Inc. v. Ataeva, LLC

Present: The Honorable CHRISTINA A. SNYDER Catherine Jeang Deborah Parker N/A Deputy Clerk Court Reporter / Recorder Tape No. Attorneys Present for Plaintiffs: Attorneys Present for Defendants: Matthew Billeci Ryan Hatch Jeffrey Baltruzak Alan Sege Brian Lewis Proceedings: ZOOM HEARING RE: MOTION TO DISMISS (Dkt. 75, filed on December 27, 2024) I. INTRODUCTION On October 17, 2024, plaintiff Experian Information Solutions Inc. (““Experian’’) filed a complaint against defendant Ataeva, LLC (“Ataeva”) asserting three claims for relief: (1) declaratory judgment pursuant to 28 U.S.C. § 2201 to determine Experian’s payment obligations under its contracts with Ataeva; (2) declaratory judgment pursuant to 28 U.S.C. § 2201 to determine copyright ownership; and (3) breach of contract. Dkt. 1 (“Compl.”) at 4] 106-19. On October 21, 2024, Experian filed an application for a temporary restraining order. Dkt. 10. On October 22, 2024, the Court denied Experian’s ex parte application for a temporary restraining order and issued an order to show cause as to why a preliminary injunction should not issue. Dkt. 15. On November 5, 2024 the Court denied Experian’s motion for a preliminary injunction. Dkt. 48. On November 22, 2024, Ataeva filed its Answer and Counterclaims. Dkt. 59 (“Counterclaims”). In its Counterclaims, Ataeva asserts four claims for relief: (1) breach of contract; (2) copyright infringement; (3) unfair competition in violation of California Business and Professions Code § 17200, et seq. (the “UCL”); and (4) declaratory judgment. Counterclaims {ff 73-108.

UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA CIVIL MINUTES — GENERAL ‘0’ Case No. 8:24-cv-02254-CAS (JDEx) Date February 3, 2025 Title “Experian Information Solutions Inc. v. Ataeva, LLC —~—

On December 27, 2024, Experian filed the instant motion to dismiss Ataeva’s Counterclaims. Dkt 75 (“Mot.”). On January 13, 2025, Ataeva filed its opposition. Dkt. 82 (““Opp.”). On January 20, 2025, Experian filed its reply. Dkt. 83 (“Reply”). On February 3, 2025, the Court held a hearing. Having carefully considered the parties’ arguments and submissions, the Court finds and concludes as follows. II. BACKGROUND In its Counterclaims, Ataeva alleges the following: Ataeva developed two software computer programs, the Total Annual Plastic Spend (“TAPS”) product, “used to estimate a consumer’s personal and business spend based on credit bureau data,” and the Yield Metrics product, “used to estimate the annual interest rate of a consumer’s debt, such as credit cards.” Counterclaims § 1. These programs are intended to assist banks and credit bureaus in their marketing efforts with customers. Id. 4] 24-25. Ataeva obtained copyrights protecting these products. Id. 4 2. Experian and Ataeva entered into a Master Software License Agreement for the TAPS product on April 30, 2011, amended January 6, 2014 and December 31, 2021. Id. 3 (citing dkt. 1-1 (collectively the “TAPS Agreement’)). The parties entered into a Master Software License Agreement dated November 5, 2012, amended January 6, 2014 and July 29, 2022. Id. (citing dkt. 1-2 (collectively the “YM Agreement” or “Yield Metrics Agreement’). Ataeva is a small software development company and Experian is one of the United States’s three credit bureaus. Id. § 12. Experian is “Ataeva’s only or main customer.” Id. In late 2019, Experian requested a price concession from Ataeva so that it could obtain a three-year contract “for providing non-depersonalized data” to Credit Karma, a “company who is not a Financial Institution (as that term 1s defined by the parties in the [TAPS Agreement and Yield Metrics Agreement (collectively “the Agreements”)]) ....” Id. 14. Ataeva granted the concession “providing its software and services to the new project at a dramatic discount of $20,000 per month.” Id. In 2022, as the contract between Experian and Credit Karma neared its end, “Ataeva reminded Experian not to renew or enter any ongoing agreement to provide data to Credit Karma without either being prepared to pay Ataeva in full under the

UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA CIVIL MINUTES — GENERAL ‘Oo’ Case No. 8:24-cv-02254-CAS (JDEx) Date February 3, 2025 Title Experian Information Solutions Inc. v. Ataeva, LLC

Agreements, or working out an ongoing price concession.” Id. § 15. Experian rejected Ataeva’s offered price concession of $40,000 per month going forward. Id. § 16. Instead, Experian entered into a contract with Credit Karma providing the same services from Ataeva, but “decided essentially to just stop paying Ataeva nearly at all under the Agreements.” Id. {] 17. Experian tried to justify its under payment by reclassifying Credit Karma as a Financial Institution pursuant to the Agreements and claiming that it provides data to Credit Karma in a “‘depersonalized manner.’” Id. Ataeva provided Experian with an invoice for the minimum amount Experian could have owed for what it was providing to Credit Karma, and Experian “disregarded the invoice ....” Id. {J 18-19. There are “numerous other instances,” in addition to the situation with Credit Karma, “in which it appears Experian uses Ataeva and its software without reporting at all, or reporting only in part, and without paying Ataeva.” Id. 19. Ataeva had information regarding underpayment for Experian’s Bank of America and Visa relationships, and notified Experian of these breaches. Id. By August 2024, “after two years of Experian’s stiff arming and disregarding, Ataeva noticed Experian that it would terminate the contract for material breach.” Id. Experian filed this suit on October 18, 2024. Id. Experian uses TAPS and Yield Metrics software (collectively “the Software’’) in its maintenance of a database of all loan obligations reported to it. Id. § 23. Outputs of the Software are used along with other personal data, for example by banks, to target potential customers. Id, 24. Experian uses the Software to screen potential customers and “provide the banks only the resulting list of consumer name and address known as *Pre-Screen’ or ‘Pre-Approved’ in the banking industry and in Fair Credit Reporting Act and the Consumer Financial Protection Bureau’s rules.” Id. Experian can also provide information known as “Customer Data,” which is TAPS and Yield Metrics “output data along with account balances, and risk scores and other data such as Bank or other Experian customer identifier, names, addresses, social security number, phone number, email addresses” that allow Experian’s customers to make targeted marketing offers to potential clients. Id. 25. This does not classify as “depersonalized data delivery pursuant to the Agreements. Id. Under the Agreements, Experian obtained the right to use the Software in its operating environment and sell the output to its customers, “on condition that it report the uses to Ataeva, pay royalties to Ataeva based upon the use, along with other terms and

UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA CIVIL MINUTES — GENERAL ‘0’ Case No. 8:24-cv-02254-CAS (JDEx) Date February 3, 2025 Title “Experian Information Solutions Inc. v. Ataeva, LLC —~—

conditions upon Experian.” Id. {| 26. Ataeva provided Experian with the Software source codes. Id. § 27. The parties, per the Agreements, established different payment systems for different types of data delivery. Id. 28. The parties altered the payment arrangements through subsequent Amendments to the Agreements. Id. §] 29-30.

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Experian Information Solutions Inc. v. Ataeva, LLC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/experian-information-solutions-inc-v-ataeva-llc-cacd-2025.