er29r2017 WASHINGTON v. CSC CREDIT SERVICES ING | Find aw WASHINGTON v. CSC CREDIT SERVICES INC re YOU COULD SAVE $620 United States Court of Appeals Fifth ernita WASHINGTON; Kevin Washington; Peggy Malbrough; Roy Malbrough, Jr Bernice Augustine Guichard; Vernon Guichard, Jr., Plaintiffs-Appellees, v. ‘CSC CREDIT SERVICES INC; Equifax Credit Informal ‘Defendants-Appellants, No. 9831209. Decided: January 07, 2000 ‘Before KING, Ce Judge and REYNALDO G. GARZA ad EMILIO M. GARZA, Celt JudgesDuva Adans FindLaw Career Center [Waesaha aged, Ne rien, LA for Pititippelles.fefson Randy ery, fone, Wale, ‘Washer, Ptr Cree & Deere, New Ora, LA fr SC Cra Serve In Aa Willan Ki, Atay ‘sander cay Ming ake, del Sap, Now Ores LA, Dd Hartel Cindy Deen porta cot Hau argued, ip oso, its, Gor gu refrain es a. eer iitiappeoes Beta nd Kein Washington (heWashingns), Peay a ay Malbroh Che paki log nd Bere and eno Gad he "Gian lect, te anne alegthat ue AO Asendatapplans CS Cet Senos, Ine CSC" and Hg nH (lets he (Gwar “repring agen vated he Fat Celt Repurag Act CFCRA of "be Ac") The dtl out cari he consumes brought ait the reporting gece for ling team rasa procedres* unite drags as el a tora ad peda tres Aldionly, they rues eatery ‘lan aventgatons” "hei court ny eid the les under Feral Ral of Chil rede 230K), Se Washington CSCCrt Sere Ine 78 PRLD-9f 104 D898. Ther seen deo gl ation {or ecunsderta, but in ogo, th cour andl das detinton abd altreatvey etd the clr under ne a). Soe Waington CSC Cot Sere, ne, BO FD. 90, 26 (ED 998) ‘Wehive friction oer thisetecularyappeauederaB USC.§ sa92(0) Were ted courts deeision teri th cass fore abuse af seein. Se Alison Cito Perle Co, 5 Fa 402, 40888 C2998). However were de ova whee te sit cour ape the crete dando gitcerfston, Soi Pato tens crumie To procs at acs, anism rs oe the four resiemens forth in Rl 9)“ he ait so sumer toner ofal members epee [aumerny (2) thr are quetns fli rat ommon the class [osmmnalty (9) the ems or ese te representative pres ae pea oe clams dese of theca palit] ad (the epeatative are wl ey apd adegtalyrotat_LSEeP Cle he ineress ofthe das adeuney]* PoE RCW. 2) Then, the plats mos show thatthe ain ‘Buntuoable acl action under on of Rule 2b) subwecinne. Seger Catan American Tubs Co, 4 Ff 798 74 (th C3996) ing ta ani have he de of showing tat cerafeaon appropiate) bob Rule 2512) ae 2969). Tomaitain a cas acon under Rae 29003), tis mst sow (3) (clon qeaons premier ny goetians fcting oil member” Crem”) and 2 tt‘ reshson Us] sopra tater avaible methods fa thea and fie! ajuenon of te eotrnesy” Couperin"). les Treasre Chast Cain, LC, 86 hpscaselaw findlaw.comius-5th-circull1116509.htm user29/2017 WASHINGTON v. CSC CREDIT SERVICES ING | Find aw 2 Cig) Ginter quotation mtd (quting Anche Prac, ev Wine, 538 1.3 615 17S. 22, 2046198 LEdad 6891967). Tomasi alas ton ude ale 2902, pail ‘mam show thatthe predominant reaps inj or decaratary” Allon 151 Fatt sae the "typify" and "oaumoalty”requreneats of tule 29() eat mata an ston ander Rule 2909) tere they anno showers” or “prfominanos” an canact matin akan der ‘ule 22) beans the FORA does ot lw hen aban nj rele Reha oe uments depen wheter the ict cor rpelnterreted the FORA. ace in 97, he FERA given "snmuer repr age he Daan CSC which man edt Infomation on consumers an provi itt third pares. S15 USC. 2681 (ating purpose ofthe POR; 8810 escingeonsmer eporting agencies) central pupae ofthe At ito eset onfentinity, nay revo. na prope tation of easter ee oration” 18.8 6810). eto ho tn Act pif thst atc which reprint pcede coer eer ‘oan insurnce company (} when the onsumer conser in wetng an (2) whe he age as ews to tele that te nmrane eon Tetods ome the infroaton nents wit the undering ot Insane nvlvingtheconsumer.” 1-4 168204. Toenmre that ageoees do nat provide eps ote ‘hese tw dicamstanes, 5 18tt) reqs eorting agencies to “tsntanrentonable proses designe tol the farashing of eonsumee reports tothe purpose sted ude section 68bufthste” M$ ‘eSttay sae o 8CER p00 ape. § 07 ating FTC ramen on resale rele ‘Tecra Surin his ese a wheter pant ean rag a ation rue man the) ressnablepocdurs" required iy 1681 witha is showing tht eer was dle inition of S$ 168ih, The dt out found that pant eluning avo of S6te doe ac ed show Improper ssi wition of 68, tise onl eds to saw that be repating aged wo Washingon 78 FR D. at 39300. “Teonly ter ocr wich ave onder thiate ine with he drt nu interpretation of {Bee Andro TransUnion Crp, 7 Supa 1096 (CD C3L:998), he cour fund ta whee “lose wns made fora pemissbe prpoe [ander 168) teo he ni ens, and po investigation of ‘estoned that [mes no ener acneuer whose fl wae sol oft perl paposest> severtles Be ables calenge the easnaenet ofthe coame reparing gens proalree” 1 Simian Miaebooks Reta Cedi o, 46 Sapp 2019 (8 B.G2397 te cour edad he propos that“ it sown tht he infecration was evant fora permis pare, thie cart ed ot ingie t th reasnatenes of bo nding poets adapta the ageey to essre ha the ‘Weta these cae permuve Seti 56a) eure reporting apne to “mani easnable bce deine ihe arnshing of onsimer ear the poses ted under section xb” USC § sila Arte sbovected oar reason thi purposes ot rhea leeapat sues the har the proeedne ae meant preven Sint Congres has std tit it doped he “ensnable prosaesrequirmet to "mec the nods of conmercfor consumer retina manner nich ver and oqo the conser, with euro the onetime, evans and proprio of ah information,” 1gUSC.§ 3680) (copbasisne). Congr inti cal injeririncnding braces of content” and Tiler natok ol ono fthere isan improper dour, suet tht general eam ofimproer prosedors iby fac nadequote Id light ofthe purposes fhe FORA we ad that he setonble arn the FRA eeison is improper shore, not the mer risk of improper disso tae when “estonale prada” ate nt flowed tac diccureseemde, Accordingly asin ringing chain ht epting wpe Vata he “reasonable rosede”egiement of § 168m fst show ta the rpating agency weed the reper ‘aioaton of 8h ‘he cont tee contr anthony nerpoing 160i Tated they make pain langage sume quoting nung fom the eo abit provisions othe FCRA whic ols reporting agencies lable for "“ating 0 comply with ny requirement imposed under his abcaptr.” USC. 58 1681, 188. ‘he consumers ange that ease tating reasoenble roeedue ia requemest unde 8 16800, ‘he FCRA ingot lay fora aueto comply wits th requirement. Wedagree The language § esi) neat-by qoaihng he purpose fhe procera requreset-tat the “eqiemeat imposed ode fea esting resonable procedure” omrto preva improper datos See, {LF 68) CN eonsumereporig agency ma foreishaconsumar oor ay perso it as hint hpscaselaw findlaw.comius-5th-circull1116509.htm 2ser29/2017 WASHINGTON v. CSC CREDIT SERVICES ING | Find aw prope dsclsed wer § 161 onderto maith cs under 185. Thiseroreques us consumes have ind standing, tht hey sas the reels fle 29), and hath an ‘nanan dae under Kole 26). Howser, we revere te arf the ss c's decision ering ‘hoch unde Rule 2302), Heese we i tha he consumes cantata a dss ation ae hs stieton See eR. P23) allowing slats where nl juntiv reo cme elton ele wh respec othe ds as whales prope) ‘he ave court etd tl ato unde Rl 29042) primary bese tbe consumes te pes ‘juan ot The reparng genie tha he FCRA doe nt sll pte pnt ob ajc rte Ingeer, “eben tele cmsmand toe conta from Congres fer ts an lr ale omer toe junctions insu ver which they hve arin” Sirs Clo, Le Star (Caper FDIC, 5924 545,548 (5h C2950 aan in ogi) (qt Cano. Yamash, 42 US. 18,705, 99 Ce 256,265, 6 Lad 376979). "Tha Wem canes wheber Congr "ecly ‘nd unambiguously nied the courts equ orsletn” under the HERA. ‘Seton 189 ges us uristition over “a ato tenors any ai reste under hs ubhapr™ USC § 28:9. Teter ably” ndsctne nthe FCRN lb provisions batho wich ‘eres fer to drags and atorne fees thou motioning univer, See S USC. HF 18 {B6ia, Tes omiion icant brane the Act levtere epee srets th ower bain ince relia the FTC Se 18616) Complance wih the equieneats imposed unde the FRA] hall be ‘avarcn under th ede Trade Commins At. bythe Feral Trade Commision" 1GUS.C.5 458) (tatiag in provison ofthe FT At that the FT ean compe parts to "ase ad desis” from contig, 2); ei § 86:0) allowing other agent entrc the RCRA incerta dreams) Lower sunt arespitat ta hather aight of hse provisions, the FCRA alo rate ian to msintin ‘chim forinjneiereet Compre Hamganner Lite Cellay, ne, 96 Sapp. 55,2627 (4:05.99) Going that tne he pein grat rate ign regu or inuatve reader ‘ho FCA); Diy Check, Ld, 974 Sp 120,289 OD Uah 1997) (ume angio: Hai, ne, 887 Supp 28, 28-85 (8.0.99) Game, Kebch Travelers Ine Ca, 64 FLD. 60, 688 (ED P74 (sms) with Andrews, 7 Fup. st 1084 en 29 (coddling at he FCA es ali injncine el one pla ow kal), Gren norton Dynamic, Ld, 399 FS. 052 1096-97(Daie97) ering ls ato on ce for ijucie el unde the PCRA and rastng preliminary junc robe) aon othe ground a4 Fad 145 (th Cir). Webel hat he ‘inate rat of power tothe FTC pursue auntie rele oped wits the absence a sar ran to evateltgen when hey ae expr rete th pt to bin darned oer le permis lenses tat Congres vested the power to tain jute elt lly with he FTC. ‘is adn s suppor byte sosequnth-oate 1861, whidh eau eparing gence a dose consume formation the FI fr eounereligenceparere=” 2$US.C.§ 26a. Section 18s provides oases wit adage emedy eg he govearet a inpropeeehssing information se "Lg wo8() and ies hat, i dition any other (damages ratory fs] remedy cnt in ‘his set, june ell be aslo ee compliance withthe procures hs sein. ‘usin. Thay whee Congest intended ta alow priate inuntve render the FRA, expen tote that i refs rable, Tis language would be unpesar if ljantve eel wee aherwie table, Se Kashani, Teas Cmteres Medial Hank, N79 Fd 996,999 (th i989) ang ‘helnportance of ng ett language a sata). "The rt ot aro Sand tha th consumers eld maintain a as etien under Rol 29018) ‘or decoy ae! bea he epring genie in. ay wih made "anctie e or comesponding eco ele appropiate Hed LC. 232) The Adisory Commie sates that, “Idk ele erverpo anti rele when a practi mater ardent ror serves au abuso ater nntve rl” Fad RiP 25 airy corti’ s oe. "The dat cour. ested ha elrstn nth cae within ie deftones older bor Inter njoetve ee othe FT. Washeon 180 FAD. at 2 1s ppeaton ofl (2 woul Haste the FORA imation of net elo the FC. nae ‘oaks njncive re dclly consumes eal ate to obian ney obtaining elroy rel sly or the purpose fer prompting te FICto mover ieee More important to maintain on action nde Rule 2902 dart relate than monetary mugs ms bethe"pedoee frm fee the pin pum. Se Allo, 61 Fat “jonny pedo mints in a} elas etons ures tise to rquetodininei ot detroit” Mat The ene tht xonetarydamages xn“ fro aby the sss olan the dams foeming he basso the janet odes rele an stot depend on tnt, subject of ech lant member’ ceumstnee rrp aoa beatings tres the parate mera ofeach induce” Id Th conser ae seeking at and ont damiger Ite couaterntnetosay hl inthe eve, ders eet which might pthc be was th bas for ft con bythe FTC “peony monetary tbe, whieh hpscaselaw finclaw.comius-5th-cireull1116609.Html aiser29/2017 WASHINGTON v. CSC CREDIT SERVICES ING | Find aw vel dicey and inmost beet them. Adina bea he money dagen thicateda nt Gow ‘or the declaratory ae ut eu septate aula, they pedoiate under Alison. Acedia, ‘hed eaar een nding ht he das cod be ities ‘Bocas we find hth conser cao! ait cls nto de ale (2, We REVERS the str courtserieaton otis prounds._ aoa boas set outs das entifeton der Rate) was bated on is rsting ofthe FURA, we VACATE te Rae 2(5) etifenton and [REMAND or father poseedings coset with thispiion, roorores 1 Thofinalcls afiitin wal petane whose seit eps have hon frie an inane company during the pric rm ps2 995 othe preset, by compater aces, by defendants CSC Servs, Ine or au, ne, anya thet sbsidiares, oy ans to dates ed yay oft, wher the conmae eating agenyetenblngen/rfsshing toe opr dd wot vce) anil ane ‘ecifeto fam the instance eompay stating) «pense parpose fo which eee eps out) thatthe eat reort wl ee rao ther pupae, ni) tha hens cmp it ‘ores probit om sharing thee report a roving to anyone ee, other than he ue the po jit ber having these pov anda) sept ceieton rom te nerape compa or ach rit apr reqs stating hat he oor wa ayo we fora pormissible parpose Washing CSC Crt Servs ne 180 PRD. 909, 35-36 ED 1a 998) 2. Tnlvenieay 661) stser very conumer pot agen shall maineinremonsbleprocedce ‘esi node of eto ob of hte and toi he Fring fener eps he purposes ted under setion sub hi tile These proces ball requ ha prorpctie eso be |nfomaton ent those, crite prpoes for which he inormtionissonht acer hat he Information wie wed foro ter prpoe. ery cone reporting gee al mk a renocable oto ery entity fe prospective use andthe ses cert’ y such prospective se ir ‘arising sochuee seaptmer rer Noconiuner pring ney may rsh sense opr ‘ny person fthasreasnabe pound for ble tat th consumer report wilnotbe ust foe parpose materiale nde in eprs and exe other atria fom eps. 5: Thisreaing fos suport in cass retina lat pa of 68. Sexton 6a alo basa Infomation oncening eis aot wham he report eats” 9 682). Covrs apaging§ ‘eta antral it covert ce where hello ello prcedre case seta are ‘ele oan inact repore tothe consumer See Pl Real Cod Co, [67-1980 Teaser ines) (Consumer Crd Cade (CC 994.48 ND.Ga De 6, 1979) Cllnorder to para xe of wan based ‘puna wil or oer vnton 1S USC. 68) the report soph tobe atch mst ‘macurte") No, rahe ie De 16, 974, Specs TRW, Ie, 92. 980, 383 (C998) (eletig in fart flow reasonable posure unde 16e) bese“) shown inacarcy can eet elerment of din onder the Pir Coeds Reporting ACP), Cimon ens Usion (ret to Co, 45 999,199 (9h C1599 node to make oat «pins ale volo under et), comune et peer evidense tending show hata cred reporting gen Pepe pert ont inert ivoematon Hensua CSC Celi er, 25 Fd a8, 264 C994) (ain. General Motors AreptaneCarp,998 3,156 (8h Ce s99) ame: Korea Creat ‘ure Ine 734 Fad 7,99 (DCCie964) aoe). These cases tll eal the eabonabe precedes” roemen ar ait on ity tht might tere te or acaate report rather thi 30 aifipatve bass fora da. See eg, Henson, 9 a 284 The ret eparing agency nt oe ot ae reporting agencies sly abl for a lnactrace. credit reporting agency ot abe pote invcurat afraton nthe conse’ cred eer) quotations sbdeation ite), “Courts ave opted se reading of aloges provisos ofthe ule Debt Cleon Prats et (CEDCPA, "The FDCPA container laity roson othe PCRA, mesining mney damage Dut ootnjuneive eles 15 US. § 6k and icons esr provi rearing the FTC cearcement uteri nei § tga ised ontheretw ncn carr apn th DCA Rave be hat ‘does ot alow pitas ornate ale. Se ley, Pon Deka Caleton Serv, 6772 ‘go, gy oth ig (tating in dum, witht aap that “eq eit vale tan lndstcul under the abit section ofthe Ac; Zab. Upped, 9 ERD. 2, -94 (C988) (ining tht the FOCPA i no allo india sigan nunctve rl) Song Naina Crit Management Co, 00 F Supp. 48, 447 (ED Ak 98) sue); Duran, Cult Burst of Yaa, 9 8D. (07, Gob-09(D Arie s982) a), {5 Thedisrc cart made sia argmentn suport fits otra ring yng 8 268-2, wich post uty on fibers finformation” ty provide acute lntarmatio to consume eprting agen. Soe § 48heata. Secon kina) grant FIC xl enframen! pone over hi ato, ‘he disvet court aparently miedo he ck of sierlanuge in § 168 lo re Ua Congres eal et ave intndedthe FIs havens freemen author ove soe, We pee wh hireaarng, butt doe sot ade te gustoa te ee, which sol whether the FTChasexhsive afore hpscaselaw findlaw.comius-5th-circull1116509.htm aiser29/2017 WASHINGTON v. CSC CREDIT SERVICES ING | Find aw thai oral of 8 ich pity does ot), but ther whee the FTC has the excasve ait to ‘oka one ype of ready fajuctie ele valle unde 68. TLIO. GARZA, Cel Jue RESEARCH THE LAN Carr Cocos/Cpnen Summaries! Sale unaes Contact Rasen Aa Mey ar. Fy [MANAGE YOUR CAREER Lez Cover Sete Onn CLE Law Shen Resorone nour us ‘Conny in Maia Rear Craton hpscaselaw findlaw.comius-5th-cireull1116609.Htm sis