GATANAS v. TRANS UNION, LLC

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY NICHOLAS GATANAS, Plaintiff, Civ. No. 20-07788 (KM) (JBC) v. OPINION AMERICAN HONDA FINANCE CORPORATION, Defendant. KEVIN MCNULTY, U.S.D.J.: Nicholas Gatanas had an auto loan with American Honda Finance Corporation (“Honda”). He paid off the loan, but his credit report noted— inaccurately, in his view—that the account was late. So he sued Honda, alleging a violation of the Fair Credit Reporting Act (“FCRA”),

15 U.S.C. § 1681

et seq. Honda moves to dismiss under Federal Rule of Civil Procedure 12(b)(6). (DE 17.)1 For the following…