Edeh v. Equifax Information Services, LLC

MEMORANDUM OPINION AND ORDER

SUSAN RICHARD NELSON, District Judge.

This matter is before the Court on Defendant Equifax Information Services, *1224LLC’s Motion for Summary Judgment [Doc. No. 175] and Plaintiff Samuel N. Edeh’s Motion for Summary Judgment [Doc. No. 192].1 These motions were decided on the papers. For the reasons set forth below, Defendant’s motion is granted, and Plaintiffs motion is denied.

I. BACKGROUND2

On May 16, 2003, Plaintiff Samuel Edeh (“Edeh”) opened a credit card account with Capital One Bank (USA), N.A. (“Capital One”). (Napolitano Aff. ¶ 5 [Doc. No. 35].) On May 19, 2006,…