Rick D. Fox v. Experian Information Solutions, Inc.

District Court, E.D. California·Decided March 31, 2026·No. 1:22-cv-01197·Unknown

Opinion

RICK D. FOX, No. 1:22-cv-01197-DAD-SCR Plaintiff, v. ORDER DENYING PLAINTIFF’S MOTION FOR SANCTIONS PURSUANT TO RULE EXPERIAN INFORMATION 37(c) OF THE FEDERAL RULES OF CIVIL SOLUTIONS, INC., PROCEDURE Defendant. (Doc. No. 95)

This matter is before the court on plaintiff Rick Fox’s motion for exclusionary sanctions pursuant to Federal Rule of Civil Procedure 37(c). (Doc. No. 95.) For the reasons explained below, plaintiff’s motion will be denied. On September 21, 2022, plaintiff filed a complaint in this federal court initiating this consumer protection action. (Doc. No. 1.) On October 31, 2024, the undersigned issued a scheduling order that ordered fact discovery to be completed by December 31, 2024 and all expert discovery be completed by March 31, 2025. (Doc. No. 70 at 3–4.) While discovery was on-going, plaintiff propounded a number of requests for production (“RFP”) on defendant. (Doc. No. 95-3 at 2.) Among those RFPs included request number 33, which asked that defendant: ///// Produce all communications between you and any subscriber that received Fraud Shield notices communicating that Plaintiff’s Social Security Number was recorded as deceased which contain information about how the subscriber should properly understand and use the Fraud Shield product. This Request includes, without limitation, any evidence that any such communications were ever actually sent, received, or acknowledged by the subscriber. (Id. at 8.) Defendant objected to this RFP as “unduly burdensome and overbroad[,]” “vague and ambiguous[,]” that it requests information that is not in defendant’s “possession, custody, or control[,]” and further objected “to the extent that it seeks confidential, proprietary, privileged, and/or trade secret information.” (Id.) Defendant ultimately agreed to produce “certain responsive communications between Experian and Capital One Financial Corp., Wells Fargo Bank, and Santander Consumer USA, Inc.” (Id. at 9.) During the week of March 24, 2025, plaintiff’s counsel, James Ristvedt (“Ristvedt”) prepared for the deposition of defendant’s Rule 26 expert, Kimberly Cave (“Cave”). (Doc. No. 95-4 at 4.) During that preparation, Ristvedt recalled that Wells Fargo training documents were produced during discovery in a separate case that he was involved in brought against defendant that had since settled. (Id.) During her deposition, Ristvedt asked Cave a number of questions about the Wells Fargo training documents, but because Ristvedt did not have a copy of them with him, Cave was unable to recall much about that topic during that line of questioning. (Id.) During an April 7, 2025 phone call with defense counsel, Ristvedt requested that defense counsel produce the Wells Fargo training documents. (Id.) On May 5, 2025, Ristvedt sent defense counsel, Kevin Hasenfang (“Hasenfang”), an email stressing that the Wells Fargo training documents should have been disclosed in response to RFP number 33. (Doc. No. 95-8 at 2.) Ristvedt further stated that the Wells Fargo training documents show that Cave led a training which communicated to Wells Fargo that Fraud Shield data is included in the credit report. (Id.) Hasenfang replied to Ristvedt’s email and indicated defendant would not produce the documents. (Id.) Sometime in April 2025, Hasenfeng reviewed the Wells Fargo training documents requested by plaintiff and observed that the request encompassed nearly 100 pages and the documents mention Fraud Shield on one page as part of an example. (Doc. No. 103-1 at ¶¶ 2, 5.) Plaintiff filed the pending motion to exclude on June 9, 2025. (Doc. No. 95.) Defendant filed its opposition thereto on June 23, 2025. (Doc. No. 103.) Plaintiff filed his reply in support of his motion to exclude on July 3, 2025. (Doc. No. 111.) Under Rule 37(c)(1) of the Federal Rules of Civil Procedure: If a party fails to provide information or identify a witness as required by Rule 26(a) or (e), the party is not allowed to use that information or witness to supply evidence on a motion, at a hearing, or at a trial, unless the failure was substantially justified or is harmless. In addition to or instead of this sanction, the court, on motion and after giving an opportunity to be heard: (A) may order payment of the reasonable expenses, including attorney's fees, caused by the failure; (B) may inform the jury of the party’s failure; and (C) may impose other appropriate sanctions, including any of the orders listed in Rule 37(b)(2)(A)(i)-(vi). Fed. R. Civ. P. 37. Under Rule 26(a) of the Federal Rules of Civil Procedure, each party must provide in their initial required disclosures “a copy--or a description by category and location--of all documents, electronically stored information, and tangible things that the disclosing party has in its possession, custody, or control and may use to support its claims or defenses, unless the use would be solely for impeachment.” Fed. R. Civ. P. 26(a)(1)(A)(ii). Under subsection e of Rule 26, a party who has made a Rule 26(a) initial disclosure or has responded to a request for production must supplement or correct its disclosure or response “in a timely manner if the party learns that in some material respect the disclosure or response is incomplete or incorrect, and if the additional or corrective information has not otherwise been made known to the other parties during the discovery process or in writing.” Fed. R. Civ. P. 26(e)(1)(A). “Rule 37 ‘gives teeth’ to Rule 26’s disclosure requirements by forbidding the use at trial of any information that is not properly disclosed.” Goodman v. Staples The Off. Superstore, LLC, 644 F.3d 817, 827 (9th Cir. 2011) (citation omitted). It is “self-executing,” “automatic[,]” and intended to strongly incentivize disclosure of material. Yeti by Molly, Ltd. v. Deckers Outdoor Corp., 259 F.3d 1101, 1106 (9th Cir. 2001). “The Advisory Committee Notes clarify that Rule 37(c)(1) is a self-executing provision for failure to make a disclosure required by Rule 26(a), without need for a motion to compel sanction.” Todd v. LaMarque, No. 03-cv-03995-SBA, 2007 WL 3168272, at *1 (N.D. Cal. Oct. 25, 2007). “The automatic nature of the rule’s application does not mean that a district court must exclude evidence that runs afoul of Rule 26(a) or (e) . . . Rather, the rule is automatic in the sense that a district court may properly impose an exclusion sanction where” the violating party does not show that their failure to disclose was either substantially justified or harmless. Merch. v. Corizon Health, Inc., 993 F.3d 733, 740 (9th Cir. 2021) (citing Yeti by Molly, 259 F.3d at 1106–07). District courts are given “particularly wide latitude” in exercising their discretion to issue sanctions pursuant to Rule 37(c)(1). Hoffman v. Constr. Protective Servs., Inc., 541 F.3d 1175, 1178 (9th Cir. 2008), as amended (Sept. 16, 2008). Plaintiff argues that the court should impose exclusionary sanctions against defendant pursuant to Rule 37(c)(1) for failing to produce the Wells Fargo traini

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Rick D. Fox v. Experian Information Solutions, Inc., (E.D. Cal. 2026).

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