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DENAN v. TRANS UNION LLC

No. 19-1519.

959 F.3d 290 (2020)

Joseph W. DENAN, et al., Plaintiffs-Appellants, v. TRANS UNION LLC, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided May 11, 2020.

Attorney(s) appearing for the Case

Michael A. Caddell , Attorney, Caddell & Chapman, Houston, TX, John G. Jacobs , Attorney, Jacobs Kolton , Chicago, IL, for Plaintiffs-Appellants Joseph W. Denan, Adrienne L. Padgett.

Albert E. Hartmann , Michael C. O'Neil , Michael Patrick Yingling , Maxwell J. Eichenberger , Attorneys, Reed Smith LLP, Chicago, IL, for Defendant-Appellee.

Lauren KW Brennan , John Soumilas , Attorneys, Francis Mailman Soumilas P.C., Philadelphia, PA, for Amici Curiae National Consumer Law Center, Incorporated, National Association of Consumer Advocates, Incorporated.

Allen Denson , Attorney, Hudson Cook, LLP, Washington, DC, for Amicus Curiae Consumer Data Industry Association.

Before Wood, Chief Judge, and Bauer and Brennan, Circuit Judges.

Plaintiffs Joseph Denan and Adrienne Padgett sued consumer reporting agency Trans Union LLC, alleging violations of the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 et seq. We must decide whether §§ 1681e(b) and 1681i(a) of the FCRA compel consumer reporting agencies to determine the legal validity...

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