Jason Henry Allen v. Experian Information Solutions, Inc., Equifax Information Services LLC, Trans Union LLC; Ford Motor Credit Company LLC; M2 Law Group P.C.; Howell & Vail LLP; Michael J. Archibald; and Lissette M. Carreras

CourtDistrict Court, D. Idaho
DecidedDecember 3, 2025
Docket2:25-cv-00404
StatusUnknown

This text of Jason Henry Allen v. Experian Information Solutions, Inc., Equifax Information Services LLC, Trans Union LLC; Ford Motor Credit Company LLC; M2 Law Group P.C.; Howell & Vail LLP; Michael J. Archibald; and Lissette M. Carreras (Jason Henry Allen v. Experian Information Solutions, Inc., Equifax Information Services LLC, Trans Union LLC; Ford Motor Credit Company LLC; M2 Law Group P.C.; Howell & Vail LLP; Michael J. Archibald; and Lissette M. Carreras) is published on Counsel Stack Legal Research, covering District Court, D. Idaho primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Jason Henry Allen v. Experian Information Solutions, Inc., Equifax Information Services LLC, Trans Union LLC; Ford Motor Credit Company LLC; M2 Law Group P.C.; Howell & Vail LLP; Michael J. Archibald; and Lissette M. Carreras, (D. Idaho 2025).

Opinion

UNITED STATES DISTRICT COURT

FOR THE DISTRICT OF IDAHO

JASON HENRY ALLEN, Case No. 2:25-cv-00404-BLW

Plaintiff, MEMORANDUM DECISION AND ORDER v.

EXPERIANINFORMATION SOLUTIONS, INC., EQUIFAX INFORMATION SERVICES LLC, TRANS UNION LLC; FORD MOTOR CREDIT COMPANY LLC; M2 LAW GROUP P.C.; HOWELL & VAILLLP; MICHAEL J. ARCHIBALD; and LISSETTE M. CARRERAS,

Defendants.

INTRODUCTION Pending before the Court are: (1) Defendants M2 Law Group PC, Howell & Vail LLP, and Michael J. Archibald’s (collectively, the “M2 Defendants”) Motion to Dismiss (Dkt. 15); (2) Defendants Equifax Information Services LLC, Experian Information Solutions, Inc., and Trans Union LLC’s (collectively, the “CRA Defendants”) Joint Motion to Dismiss Plaintiff’s Complaint (Dkt. 16); and (3) Plaintiff’s Motion for Leave to File Sur-Reply (Dkt. 23). For the reasons set forth below, the Court will grant the M2 Defendants’ motion to dismiss for insufficient service under Federal Rule of Civil Procedure 12(b)(5) and deny as moot its motion to dismiss for failure to state a claim. The remaining motions are also

denied as moot. BACKGROUND On July 23, 2025, Plaintiff Jason Henry Allen, proceeding pro se, filed a complaint alleging violations of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681 et seq., against multiple defendants. Dkt. 1. On August 15, both the

M2 Defendants and the CRA Defendants filed motions to dismiss the original complaint. While those motions were pending, Allen filed an amended complaint on

August 27, Dkt. 21, as well as a motion to file a sur-reply alleging that the CRA Defendants raised new issues for the first time on reply, Dkt. 23. The CRA Defendants had not filed any replies. The following day, Allen filed a

“consolidated opposition” to the M2 Defendants’ motion to dismiss, Dkt. 24, and an opposition to the CRA Defendants’ motion to dismiss “Plaintiff’s First Amended Complaint,” Dkt. 25. Approximately a week later, he filed a statement clarifying that the amended complaint “supersedes the original complaint and is

now the operative pleading in this case.” Dkt. 28. The CRA Defendants have since filed a joint motion to dismiss the amended complaint. Dkt. 32. The M2 Defendants, who argue they were not properly served, have filed neither a reply in support of their motion to dismiss the original complaint nor a motion to dismiss the amended complaint.

ANALYSIS A. Motion to Dismiss for Insufficient Service of Process The M2 Defendants move to dismiss Allen’s original complaint pursuant to Federal Rule of Civil Procedure 12(b)(5) for insufficient service of process. Federal Rule of Civil Procedure 4 requires a plaintiff to serve a copy of the summons and complaint on each defendant. Fed. R. Civ. P. 4(c). If a plaintiff fails

to properly serve a defendant, that defendant may challenge insufficient service of process by motion or in the answer. Fed. R. Civ. P. 12(b)(5). When a defendant challenges the sufficiency of service, the plaintiff bears the burden of establishing

that service was valid under Rule 4. Brockmeyer v. May, 383 F.3d 798, 801 (9th Cir. 2004). When service is defective, the Court “must dismiss the action without prejudice or order that service be made within a specified time.” Fed. R. Civ. P. 4(m).

1. Service on Michael Archibald Service on an individual may be accomplished by anyone over the age of eighteen who is not a party to the action. Fed. R. Civ. P. 4(c). The Federal Rules designate four ways to serve an individual: (1) deliver a copy of the summons and

complaint to the individual personally; (2) leave copies of the summons and complaint at the individual’s dwelling with a person of suitable age who resides there; (3) deliver a copy of the summons and complaint to “an agent authorized by appointment or law to receive service of process”; or (4) follow state law for

serving a summons in the state where the district court is located or where service is made. Fed. R. Civ. P. 4(e). The Idaho Rules of Civil Procedure impose the same requirements for

service of process on an individual as the Federal Rules. I.R.C.P. 4(d)(2). When a plaintiff does not serve an individual personally and service is not left at the individual’s dwelling, Idaho law requires service on an agent authorized by appointment or law to receive service of process. Such an agent is either (1)

expressly named by the party, or (2) impliedly authorized to accept service of process on the defendant’s behalf. In re Focus Media Inc., 387 F.3d 1077, 1080 (9th Cir. 2004). Here, the record1 reflects that service on Michael Archibald was defective

because Allen failed to serve him in the manner required by Rule 4(e). Allen served the complaint and summons on Pat Stewart at 1855 N. Lakes Pl., Meridian, ID 83646. Archibald was not personally served, and Allen submits no evidence

1 The M2 Defendants attached two documents from the Idaho Secretary of State to their motion to dismiss: an “Amendment or Cancellation to Statement of Qualification of Limited Liability Partnership" reflecting the dissolution of Howell & Vail in September 2017, Dkt. 15-1, and the Annual Report for M2 Law Group listing Michael Archibald as its registered agent, Dkt. 15-2. Courts "may take judicial notice of court filings and other matters of public record." Reyn's Pasta Bella, LLC v. Visa USA, Inc., 442 F.3d 741, 746 n.6 (9th Cir. 2006). Judicial notice of the Secretary of State filings is appropriate here because they are public records from a source whose accuracy cannot reasonably be questioned and concern matters at issue here. that 1855 N. Lakes Pl. is Archibald’s usual dwelling place or abode, or that Pat Stewart was expressly or impliedly authorized to accept service on Archibald’s

behalf. Allen therefore failed to properly serve Archibald, and the Court lacks personal jurisdiction over him. Cf. Staples v. Outsource Receivables Mgmt., No. 4:12-CV-00014-BLW, 2013 WL 12137841, at *3 (D. Idaho July 24, 2013)

(declining to permit service upon a defendant’s employer to serve as an adequate substitute for the methods of service required by Rule 4 because “adopting such a rule may undermine a defendant’s due process rights, lead to unnecessary disputes, and encourage abuse by process servers”).

2. Service on M2 Law Group and Howell & Vail Federal Rule of Civil Procedure 4 authorizes service upon a domestic or foreign corporation by delivering a copy of the summons and complaint to an officer, a managing or general agent, or any other agent authorized by appointment

or by law to receive service of process. Fed. R. Civ. P.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Cite This Page — Counsel Stack

Bluebook (online)
Jason Henry Allen v. Experian Information Solutions, Inc., Equifax Information Services LLC, Trans Union LLC; Ford Motor Credit Company LLC; M2 Law Group P.C.; Howell & Vail LLP; Michael J. Archibald; and Lissette M. Carreras, Counsel Stack Legal Research, https://law.counselstack.com/opinion/jason-henry-allen-v-experian-information-solutions-inc-equifax-idd-2025.