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CARVALHO v. EQUIFAX INFORMATION SERVICES, LLC

No. 09-15030.

615 F.3d 1217 (2010)

Noemia CARVALHO, on behalf of herself and other similarly situated people, Plaintiff-Appellant, v. EQUIFAX INFORMATION SERVICES, LLC; Experian Information Solutions, Inc.; Transunion LLC, Defendants-Appellees.

United States Court of Appeals, Ninth Circuit.

Filed August 18, 2010.

Attorney(s) appearing for the Case

Scott D. Kalkin, Roboostoff & Kalkin, San Francisco, CA, argued the cause for the plaintiff-appellant. Ron Bochner, Law Offices of Ron Bochner, Santa Clara, CA, filed the briefs.

Stephen J. Newman, Stroock & Stroock & Lavan LLP, Los Angeles, CA; Barry Goheen, King & Spalding LLP, Atlanta, GA; and Meir Feder, Jones Day, New York, NY, argued the cause for the defendants-appellees and filed a brief. With them on the brief were Lewis P. Perling, King & Spalding LLP, Atlanta, GA; Brian C. Frontino and Darius K. Zolnor, Stroock & Stroock & Lavan LLP, Los Angeles, CA; and Deanna L. Johnston and Nathaniel P. Garrett, Jones Day, San Francisco, CA.

Before DIARMUID F. O'SCANNLAIN, STEPHEN S. TROTT and RICHARD A. PAEZ, Circuit Judges.

OPINION

O'SCANNLAIN, Circuit Judge:

We must decide whether a credit reporting agency is liable for a disputed credit report under California's Consumer Credit Reporting Agencies Act.

I

A

In October 2001, Noemia Carvalho received medical treatment from Bayside Medical Group, Inc. ("Bayside"), in Pleasanton, California. Prior to receiving her treatment, Carvalho signed the following agreement ("Agreement"):

Bayside Medical...

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