Westra v. Credit Control of Pinellas
| Decision Date | 27 May 2005 |
| Docket Number | No. 04-3139.,04-3139. |
| Citation | 409 F.3d 825 |
| Parties | Dirk WESTRA, Plaintiff-Appellant, v. CREDIT CONTROL OF PINELLAS, Defendant-Appellee. |
| Court | U.S. Court of Appeals — Seventh Circuit |
Larry P. Smith (argued), Krohn & Moss, Chicago, IL, for Plaintiff-Appellant.
Kimberly A. Jansen (argued), Hinshaw & Culbertson, Chicago, IL, for Defendant-Appellee.
Before BAUER, POSNER, and KANNE, Circuit Judges.
Plaintiff-Appellant Dirk Westra appeals from the grant of summary judgment to Defendant Credit Control of Pinellas in Westra's suit under the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. §§ 1681 et seq. We affirm.
Dirk Westra was the unfortunate victim of identity theft in 1999 when a former friend fraudulently opened several accounts in his name. Westra successfully disputed many of these accounts, and they were deleted from his Trans Union credit file. In August 2002, Westra received notice of an account that Credit Control was collecting on behalf of Pasco Emergency Medical Services, a company located in Florida. As Westra had never resided in Florida nor sought medical attention from this company, he mailed a dispute letter to Trans Union to inform them that the account did not belong to him. This letter included a fraud statement and information about the perpetrator of the identity theft. Trans Union generated a Consumer Dispute Verification Form (CDV) which it sent to Credit Control in October to request an investigation of the disputed account. The CDV sent to Credit Control did not make any reference to fraud or identity theft nor did it include the documentation that Westra had provided. Credit Control verified the account information as accurate and reported that the account belonged to Westra.
In November, Westra received a credit report from Trans Union that still contained the Credit Control account. He then sent a second dispute letter to Trans Union and sent a letter directly to Credit Control in December. Credit Control asked Westra for his social security number, which he provided in a letter dated December 30. In January 2003, Trans Union contacted Credit Control about the account, this time indicating that the dispute was whether the account was fraudulent. Based on this new information, Credit Control ordered a deletion of the fraudulent account on January 22, 2003. Westra claims that he was denied credit from Norwest Bank and First Card and denied a chance to refinance his mortgage at a lower rate due to the delay in removing the fraudulent account from his credit report. Westra filed a complaint against Credit Control, alleging that they failed to conduct a reasonable investigation as mandated by the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(b). Credit Control filed a motion for summary judgment which was granted by the district court.
Summary judgment is appropriate where the "pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law." FED. R. CIV. P. 56(c). We review the district court's grant of summary judgment de novo, construing all facts and reasonable inferences in the light most favorable to the non-moving party. Miller v. Am. Family Mut. Ins. Co., 203 F.3d 997, 1003 (7th Cir.2000).
The FCRA imposes certain requirements on consumer reporting agencies, such as Trans Union, and...
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