Tatchi v. TransUnion LLC

District Court, D. Arizona·Decided February 11, 2025·No. 4:24-cv-00602·Unknown

Opinion

WO

Taoma Tatchi, No. CV-24-00602-TUC-RM

Plaintiff, ORDER

v.

TransUnion LLC, et al.,

Defendants. Plaintiff Ta’oma Tatchi initiated this action by filing a Complaint in the Pima County Superior Court on November 4, 2024. (Doc. 1-3.)1 Plaintiff’s Complaint names nine Defendants: Transunion LLC (“Transunion”); Equifax LLC (“Equifax”); Experian LLC; Myfico LLC (“Myfico”); American Express Master Trust, Indentured Trustee (“American Express”); Capital One LLC (“Capital One”); Chapman Automotive Group, LLC (“Chapman Automotive Group”); Jim Click Ford, Inc. (“Jim Click Ford”); and Autonationdirect.com, Inc. (Doc. 1-3 at 3.) On December 17, 2024, Jim Click Ford filed a Notice of Removal, resulting in the opening of the above-captioned matter, case number CV-24-00602-TUC-RM. (Doc. 1.) On the same date, Capital One filed a separate Notice of Removal, resulting in the opening of case number CV-24-00603-TUC-RM. (Doc. 1 in CV-24-00603-TUC-RM.) On January 29, 2025, this Court consolidated CV-24-00602- TUC-RM with CV-24-00603-TUC-RM. (Doc. 51.) Equifax and Myfico have not entered appearances in this action. TransUnion filed

1 Unless otherwise stated, all record citations refer to the docket in the above-captioned matter and to the page numbers generated by the Court’s electronic filing system. a Notice of Appearance on January 22, 2025 (Doc. 22), but has not yet answered or otherwise responded to Plaintiff’s Complaint. Capital One filed a Motion to Dismiss on December 23, 2024. (Doc. 53.) American Express filed a Motion to Dismiss on December 24, 2024 (Doc. 13) and, on January 23, 2025, a Motion for Protective Order seeking to prohibit additional filings from Plaintiff until resolution of the Motion to Dismiss (Doc. 49). Chapman Automotive Group filed a Motion to Dismiss on December 30, 2024. (Doc. 19.) Jim Click Ford filed a Motion to Dismiss on January 3, 2025. (Doc. 25.) Experian Information Solutions, Inc. (“Experian”)—misnamed in the Complaint as Experian LLC— filed a Motion to Dismiss on January 23, 2025. (Doc. 48.) AN Luxury Imports of Tucson Inc. d/b/a BMW Tucson (“AN Luxury Imports”)—misnamed in the Complaint as AutonationDirect.com, Inc.—joins in the Motions to Dismiss filed by Capital One, American Express, and Chapman Automotive Group. (Doc. 52.) Plaintiff has filed the following documents: • Motion to File Documents Electronically (Doc. 15) • Motion to Remand (Doc. 16) • Affidavit Affirming Status, Challenging Jurisdiction, and Requesting Relief (Doc. 17) • Motion to Strike All Defendants’ Attorneys’ Filings (Doc. 18) • Motion for Summary Judgment (Doc. 21) • Notice of Conditional Acceptance of District Judge Jurisdiction, Trial by Jury, and Opposition to Unsupported Motions (Doc. 37) • Notice of Writ of Mandamus and Quo Warranto (Doc. 43) • Objections and Oppositions with Notices to Strike All Defendants’ Attorneys’ Filings and Appearances (Docs. 44, 45) • Certificate of Service (Doc. 50) • Motions for Discovery, Objections, and Oppositions to Defendants’ Filings (Docs. 55, 56) • Notice of Objection and Opposition to Order Granting Defendants’ Motion for Extension (Doc. 66) • Notice of Trespass and SCP Fee Schedule Invoice (Doc. 67) • Notice of Default and Motion for Order to Show Cause (Doc. 68) • Notice of Breach of Fiduciary Duty, Unlawful Trespass, and Demand to Strike (Doc. 69) • Notice of Fraud, Unlawful Jurisdiction, Personal Liability (Doc. 70) I. Plaintiff’s Complaint In his Complaint, Plaintiff asserts the following causes of action: (1) civil rights violations under 42 U.S.C. § 1983; (2) breach of fiduciary duty under state law; (3) fraud under A.R.S. § 13-2310 and 18 U.S.C. § 1341; (4) consumer credit violations under the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681; (5) violations of foreign diplomat protections under the Vienna Convention; and (6) violation of Section 29 of the Federal Reserve Act. (Doc. 1-3 at 12.) In Count One, Plaintiff alleges that he entered into consumer contracts with Defendants from October 2022 to November 2024, and that Defendants discriminated against him, denied him credit, issued derogatory credit reports, altered checks, and unlawfully retained his possessions, in violation of his constitutional rights to equal protection and due process. (Id. at 10-11.) In Count Two, Plaintiff alleges that Defendants acted in self-interest and engaged in fraudulent business practices, in violation of their fiduciary duties. (Id. at 11.) In Count Three, Plaintiff alleges that Defendants knowingly misrepresented material facts upon which Plaintiff relied to his detriment, and that they altered securities to commit fraud against Plaintiff. (Id.) In Count Four, Plaintiff alleges that Defendants reported false and defamatory information to credit agencies, damaging Plaintiff’s credit profile, financial reputation, and business interests. (Id. at 11-12.) In Count Five, Plaintiff alleges that Defendants’ discrimination and fraud violated his rights as a diplomat under the Vienna Convention. (Id. at 12.) As relief, Plaintiff seeks damages in the value of his private assets, alleged to be $20 trillion; an immediate credit score of 850 and the removal of any negative information in his credit reports; the issuance of ultra-high net worth consumer credit accounts and credit cards, with no closure or collection actions; and the return of his “property and assets,” including “lifetime care, maintenance, and servicing” of his vehicles at Defendants’ expense. (Id. at 7, 13.) II. Plaintiff’s Motion to Remand In his Motion to Remand, Plaintiff argues that his claims of fraud, breach of fiduciary duty, and violations of the Uniform Commercial Code arise exclusively under state law and must be adjudicated in state court. (Doc. 16 at 3.) Plaintiff further argues that the attorneys who signed the Notices of Removal lack firsthand knowledge of the underlying facts of this case, failed to submit a complete state-court record, and failed to obtain unanimous consent from all properly served defendants. (Id. at 2-4.) Plaintiff asks the Court to sanction Defendants’ counsel and award Plaintiff fees and costs. (Id. at 4-5.) Jim Click Ford filed a Response (Doc. 27), to which American Express, Experian, and AN Luxury Imports join (Docs. 35, 36, 38). Defendants argue that this Court has federal question jurisdiction under 28 U.S.C. § 1331 because Plaintiff’s Complaint alleges violations of federal law, and that this Court has supplemental jurisdiction over Plaintiff’s related state-law claims under 28 U.S.C. § 1367. (Doc. 27 at 3-4.) Defendants contend that a complete copy of the state-court record has been submitted, that consent of all Defendants is not required, and that nothing in the records supports Plaintiff’s request for sanctions. (Id. at 4-5.) Generally, “any civil action brought in a State court of which the district courts of the United States have original jurisdiction, may be removed by the defendant or the defendants, to the district court of the United States for the district and division embracing the place where such action is pending.” 28 U.S.C. § 1441(a). “The district courts shall have original jurisdiction of all civil actions arising under the Constitution, laws, or treaties of the United States.”

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Tatchi v. TransUnion LLC, (D. Ariz. 2025).

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