Scribner v. Trans Union LLC

CourtDistrict Court, E.D. California
DecidedJuly 2, 2024
Docket2:23-cv-02722
StatusUnknown

This text of Scribner v. Trans Union LLC (Scribner v. Trans Union LLC) is published on Counsel Stack Legal Research, covering District Court, E.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Scribner v. Trans Union LLC, (E.D. Cal. 2024).

Opinion

1 2 3 4 5 6 7 8 9 10 UNITED STATES DISTRICT COURT 11 EASTERN DISTRICT OF CALIFORNIA 12 ROBERT CLARK SCRIBNER, No. 2:23-cv-02722-JAM-CKD 13 Plaintiff, ORDER GRANTING DEFENDANT 14 EXPERIAN INFORMATION SOLUTIONS, v. INC.’S MOTION TO COMPEL 15 ARBITRATION TRANS UNION LLC, et al., 16 Defendants. 17 18 Plaintiff Robert Scribner (“Plaintiff”) initiated this 19 action on November 21, 2023, against several defendants. Compl., 20 ECF No. 1. Defendant Experian Information Solutions, Inc. 21 (“Defendant” or “EIS”) now moves to compel arbitration. Def.’s 22 Mot. to Compel Arb., ECF No. 32. For the reasons set forth 23 below, the Court GRANTS Defendant’s motion and stays this action 24 as to EIS pursuant to 9 U.S.C. § 3.1 Defendant’s pending motion 25 to stay, ECF No. 36, is thus moot. 26 /// 27 1This motion was determined to be suitable for decision without 28 oral argument. E.D. Cal. L.R. 230(g). 1 I. ALLEGATIONS AND BACKGROUND 2 Plaintiff asserts multiple claims under the Fair Credit 3 Reporting Act, 15 U.S.C. § 1681, et seq., and the California 4 Credit Reporting Agencies Act, Cal. Civ. Code § 1785.14, et seq., 5 against defendants Equifax Information Services LLC, EIS, and 6 Trans Union LLC. Compl., ECF No. 1. Plaintiff alleges he 7 ordered credit reports from each defendant in or around June of 8 2023 in anticipation of obtaining an automobile loan. Id. ¶¶ 62- 9 64. To receive a credit report from Experian, Plaintiff created 10 an online account with Experian’s credit monitoring service, 11 CreditWorks. Plf.’s Decl., Ex. B to Opp’n, ECF No. 42-2 at ¶¶ 2- 12 6; Smith Decl., ECF No. 32-2 at ¶ 1. Upon reviewing the credit 13 reports, Plaintiff noticed they were inaccurate because they 14 contained another consumer’s information and credit history. 15 Compl. ¶¶ 67-73. Plaintiff alleges he reported these 16 inaccuracies to defendants, but they failed to take appropriate 17 action. Id. ¶¶ 75-80, 87. As a result, Plaintiff sustained 18 damages. E.g., id. ¶ 115. 19 EIS filed this motion to compel arbitration on the ground 20 that Plaintiff, by creating a CreditWorks account, agreed to 21 Defendant’s “Terms of Use Agreement,” which mandates arbitration. 22 Memo. of P. & A. (“Mot.”), ECF No. 32-1; Terms of Use Agreement, 23 Ex. 3 to Smith Decl., ECF No. 32-2. Plaintiff filed an Opp’n, 24 ECF No. 42, and Defendant replied. Reply, ECF No. 43. The 25 parties then provided supplemental authority, which the Court has 26 considered. ECF Nos. 47-51. Defendant also filed a motion to 27 stay this action until the Court ruled on the pending motion to 28 1 compel. 2 Mot. to Stay, ECF No. 36. 2 II. OPINION 3 A. Legal Standard 4 “A party aggrieved by the alleged failure, neglect, or 5 refusal of another to arbitrate under a written agreement for 6 arbitration may petition any United States district court . . . 7 for an order directing that such arbitration proceed in the 8 manner provided for in such agreement.” 9 U.S.C. § 4. A 9 district court's role under the Federal Arbitration Act (“FAA”) 10 is “limited to determining (1) whether a valid agreement to 11 arbitrate exists and, if it does, (2) whether the agreement 12 encompasses the dispute at issue.” Chiron Corp. v. Ortho 13 Diagnostic Sys., Inc., 207 F.3d 1126, 1130 (9th Cir. 2000). 14 “In determining whether the parties have agreed to arbitrate 15 a particular dispute, federal courts apply state-law principles 16 of contract formation.” Berman v. Freedom Fin. Network, LLC, 30 17 F.4th 849, 855 (9th Cir. 2022) (citing First Options of Chi., 18 Inc. v. Kaplan, 514 U.S. 938, 944 (1995)). If the district court 19 is “satisfied of the existence of a valid arbitration agreement, 20 the court must order the parties to proceed to arbitration in 21 accordance with the terms of the agreement.” Oberstein v. Live 22 Nation Ent., Inc., 60 F.4th 505, 510 (9th Cir. 2023) (citing 9 23 U.S.C. § 4). In contrast, if the district court is not 24 satisfied, then it “shall proceed summarily to the trial 25 thereof.” 9 U.S.C. § 4. Defendant, as the party seeking to 26 2Defendant previously filed a motion to compel arbitration and 27 motion to stay, ECF Nos. 23 (compel), 25 (stay), but it withdrew those motions before refiling the pending motions. Withdrawals, 28 ECF Nos. 29 (compel), 30 (stay). 1 compel arbitration, “bears the burden of proving the existence of 2 a valid arbitration agreement by the preponderance of the 3 evidence.” Bridge Fund Cap. Corp. v. Fastbucks Franchise Corp., 4 622 F.3d 996, 1005 (9th Cir. 2010). 5 B. Analysis 6 Plaintiff argues Defendant has not meet its burden of 7 showing the existence of a valid arbitration agreement because 8 (1) Defendant’s evidence is inadmissible and (2) mutual assent 9 was lacking, thus precluding a contractual agreement to 10 arbitrate. Opp’n at 2. 11 1. Mr. Smith’s Declaration is Admissible 12 In support of its motion to compel arbitration, Defendant 13 submits a declaration from Dan Smith, the Director of Product 14 Operations for ConsumerInfo.com (“CIC”), which does business as 15 Experian Consumer Services (“ECS”). See generally Mot. EIS, as 16 an affiliate of CIC and ECS, is encompassed by the arbitration 17 agreement. Smith Decl., ECF No. 32-2 at ¶ 2; Terms of Use 18 Agreement, Ex. 3 to Smith Decl., ECF No. 32-2 at 14. Plaintiff 19 argues Mr. Smith’s Declaration is inadmissible because he lacks 20 personal knowledge of the matters therein. Opp’n 7-12. Without 21 the declaration, Plaintiff contends Defendant cannot meet its 22 burden of demonstrating the parties entered into a valid 23 arbitration agreement. See id. 24 Mr. Smith has been employed by CIC for over 14 years. Smith 25 Decl. ¶ 1. His duties require him to be familiar with “how 26 consumers enroll, the forms they must complete to enroll . . . 27 webpages a consumer would have encountered to complete their 28 enrollment . . . [and] which links or button the consumer clicked 1 on,” among other areas. Id. Mr. Smith’s knowledge is based on 2 information “acquired in the course and scope of [his] job 3 responsibilities and through the review of pertinent documents 4 maintained as business records . . . .” Id. Mr. Smith declares 5 that when Plaintiff successfully enrolled in CreditWorks, he “had 6 to complete two webforms.” Smith Decl. ¶ 3 (emphasis added). 7 These webforms are attached to his declaration as “Exhibit 1” and 8 “Exhibit 2.” Id. Both exhibits are produced “as [they] would 9 have appeared when Plaintiff enrolled . . . .” Id. 10 Plaintiff attacks Mr. Smith’s declaration on the ground that 11 he lacks personal knowledge of what Plaintiff “accessed, saw, or 12 clicked on January 22, 2019,” because he “does not know 13 Plaintiff, has never met him, and was not present when 14 [Plaintiff] allegedly agreed to the terms and conditions to which 15 Experian seeks to bind him.” Opp’n at 8-9. This, however, is 16 unnecessary in this context.

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