Lillie M. Middlebrooks v. Equifax, Inc.

CourtCourt of Appeals for the Eleventh Circuit
DecidedFebruary 15, 2024
Docket23-11086
StatusUnpublished

This text of Lillie M. Middlebrooks v. Equifax, Inc. (Lillie M. Middlebrooks v. Equifax, Inc.) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eleventh Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Lillie M. Middlebrooks v. Equifax, Inc., (11th Cir. 2024).

Opinion

USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 1 of 17

[DO NOT PUBLISH]

In the United States Court of Appeals For the Eleventh Circuit

____________________

No. 23-11086 Non-Argument Calendar ____________________

LILLIE M. MIDDLEBROOKS, Plaintiff-Appellant, versus EQUIFAX, INC., EQUIFAX INFORMATION SERVICES,

Defendants-Appellees.

Appeal from the United States District Court for the Northern District of Georgia USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 2 of 17

2 Opinion of the Court 23-11086

D.C. Docket No. 1:20-cv-01825-SCJ ____________________

Before: WILSON, JILL PRYOR, and LUCK, Circuit Judges. PER CURIAM: Lillie Middlebrooks, proceeding pro se, appeals from the dis- trict court’s orders granting summary judgment in favor of Equifax, Inc. (“EFX”) and Equifax Information Services, LLC (“EIS”) (collectively, “Equifax”) and denying her Federal Rule of Civil Procedure 60(b) motion to vacate the district court’s order placing unredacted documents filed by Equifax under seal and or- dering Equifax to file reacted copies of the documents. She also challenges the district court’s denial of her motions for sanctions against Equifax for Equifax’s failure to timely identify witnesses and file initial disclosures. After careful review, we affirm. I. Middlebrooks is a consumer. In 2018, she disputed two ac- counts on her Equifax credit report and sought to obtain a home mortgage. This case arises out of these events. 1

1 Because we review the district court’s grant of summary judgment in favor

of Equifax, we recount the facts in evidence in the light most favorable to Mid- dlebrooks, the nonmovant. See Alvarez v. Royal Atl. Devs., Inc., 610 F.3d 1253, 1263–64 (11th Cir. 2010). We note where facts are disputed. Much of the evidence we describe here comes from a declaration by Equifax’s Litigation Support Manager, Celestine Gobin. Middlebrooks argues USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 3 of 17

23-11086 Opinion of the Court 3

EFX, a holding company, owns EIS and uses it as a store- house of consumer credit information. Together, they comprise Equifax, which has three functions relevant here. First, Equifax col- lects and stores consumer credit information. Equifax collects credit information from “data furnishers”—entities that report con- sumer credit information. Doc. 122-1 at 6. 2 Data furnishers are sub- ject to a due diligence process, must certify that they will abide by the Fair Credit Reporting Act (“FCRA”), and must sign an agree- ment with Equifax in which they agree to provide accurate data, update data regularly, and have a process for verifying information. EIS stores the data Equifax collects from data furnishers. Second, Equifax responds to requests for a consumer’s credit information. Equifax provides “consumer disclosures” in response to requests by consumers. And it provides “consumer reports,” or “credit reports,” in response to requests by third parties, such as a credit grantor. These reports and disclosures summarize the con- sumer’s credit history. Doc. 122-1 at 5. Third, Equifax investigates consumer disputes about credit information. A consumer may contact Equifax to dispute infor- mation reported on her consumer report or disclosure. When Equifax receives a dispute, EIS makes an electronic record of it and any of Equifax’s subsequent actions relating to it. Equifax

in this appeal that the district court erred in considering this declaration. For the reasons set forth in Part III, we reject Middlebrooks’s challenge to the court’s consideration of this evidence. 2 “Doc.” numbers are the district court’s docket entries. USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 4 of 17

4 Opinion of the Court 23-11086

investigates the dispute, including by reviewing information and documents the consumer supplies and, if necessary, by asking the data furnisher to investigate and advise as to whether the infor- mation it has provided is accurate. If upon investigation Equifax learns that a consumer’s credit information needs to be changed, Equifax changes it. Regardless of whether it changes a consumer’s information upon the conclusion of its investigation, Equifax noti- fies the consumer of the results of the investigation. Middlebrooks sent a letter to Equifax disputing two collec- tion accounts from data furnisher Fair Collections & Outsourcing (“FCO”) that were being collected on behalf of a creditor, Lasalle Investment Management. Middlebrooks stated that two FCO col- lection accounts, one for $1,000 and one for $189, were not hers and were fraudulently placed in her consumer credit information file, as she had never entered into a contract with Lasalle. Middle- brooks did not include any documentation like a police report to support her fraud allegation. Equifax opened a case for investigation based on Middle- brooks’s letter, notified FCO of the dispute, and sent FCO Auto- mated Consumer Dispute Verification (“ACDV”) forms requesting investigations into each account. FCO returned the ACDV forms with its investigation results, advising that the $1,000 debt should be deleted from Middlebrooks’s file but that the $198 debt be- longed to Middlebrooks and was reported accurately. On both forms, FCO listed its “Responder” as “Cristina Manalo.” Doc. 122- 1 at 18, 20. FCO provided Equifax with the consumer information USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 5 of 17

23-11086 Opinion of the Court 5

it relied upon to conclude that the $198 collection account was valid, and Equifax, as part of its investigation, confirmed that the information FCO provided matched information it had collected on Middlebrooks. Equifax then informed Middlebrooks that it had deleted the $1,000 debt but not the $198 debt. Middlebrooks then filed a complaint alleging that Equifax vi- olated the FCRA’s requirements that a credit reporting agency fol- low reasonable procedures (1) “to assure maximum possible accu- racy of the information” about a consumer in her credit report, 15 U.S.C. § 1681e, and, (2) when a consumer initiates a dispute as to the accuracy of information, “conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate,” id. § 1681i(a)(1)(A). The complaint alleged that Middlebrooks sought a home mortgage from three lenders and that Equifax provided each lender a credit report with the $198 delinquent and unpaid collection account, an amount resulting in a lower credit score than should have been reported. As a result of this incorrect credit score, the complaint alleged, Middlebrooks received unfavorable mort- gage interest rates and borrowing limits. The complaint also al- leged that Middlebrooks again disputed the $198 account in 2020 and that Equifax deleted the charge from her credit file. This case thereafter “followed a frustrating path,” Doc. 142 at 4, and we recount only the events relevant to this appeal. Dis- covery began, closed, was reopened, and then closed again. Even- tually, with Equifax’s motion for summary judgment pending, Middlebrooks moved for sanctions against Equifax. Middlebrooks USCA11 Case: 23-11086 Document: 20-1 Date Filed: 02/15/2024 Page: 6 of 17

6 Opinion of the Court 23-11086

asserted that Equifax failed to timely provide initial disclosures as required by Federal Rule of Civil Procedure

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

Related

John N. Hearn v. Michael McKay
603 F.3d 897 (Eleventh Circuit, 2010)
Timson v. Sampson
518 F.3d 870 (Eleventh Circuit, 2008)
Beard v. Banks
548 U.S. 521 (Supreme Court, 2006)
Alvarez v. Royal Atlantic Developers, Inc.
610 F.3d 1253 (Eleventh Circuit, 2010)
Josendis v. Wall to Wall Residence Repairs, Inc.
662 F.3d 1292 (Eleventh Circuit, 2011)
Reginald Jones v. UPS Group Freight
683 F.3d 1283 (Eleventh Circuit, 2012)
Jose Alberto Perez-Guerrero v. U.S. Attorney General
717 F.3d 1224 (Eleventh Circuit, 2013)
Dietz v. Bouldin
579 U.S. 40 (Supreme Court, 2016)
Teresa Taylor v. Mentor Worldwide, LLC
940 F.3d 582 (Eleventh Circuit, 2019)
Reinier Fuentes v. Classica Cruise Operator Ltd, Inc.
32 F.4th 1311 (Eleventh Circuit, 2022)

Cite This Page — Counsel Stack

Bluebook (online)
Lillie M. Middlebrooks v. Equifax, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/lillie-m-middlebrooks-v-equifax-inc-ca11-2024.