S.D. Fla. · No. 1:26-cv-25086
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| Matter | Type | Practice area | Court | Date | Value |
|---|---|---|---|---|---|
| Credit One Bank, N.A.source ↗ filed by Gear Law, LLC · Judge Federico A. Moreno · No. 1:26-cv-25086 · 15:1681 Fair Credit Reporting Act · view case timeline → Comparable settlements –$7.40M ▾Minano v. DLJ Mortgage Capital shows FCRA furnisher claims are routinely dismissed absent a private right of action (e.g., §1681s-2(a)), while other counts failed for insufficient pleading; Askins v. CRST shows disclosure-based FCRA claims can survive on bare statutory violation. Outcome likely hinges on which specific FCRA/FDCPA provision plaintiff invokes against Credit One as furnisher. Comparable settlements –$7.40M median $2.23M · n=8 Trader Joe's $7.40M · Xactus $2.40M · RentGrow $2.25M Per member (realized): ~$301 median · $102–$500 (n=2) Comparable verdict: TransUnion, LLC $40M Key precedent: Minano v. DLJ Mortgage Capital, Inc. — most factually similar (FCRA furnisher liability), showing dismissal risk for mis-pled or barred provisions. Main risk: Dismissal of core FCRA counts for lack of private right of action or insufficient factual pleading, mirroring Minano's outcome. This defendant: Prior filing (Hernandez v. Credit One Bank) suggests recurring FCRA/FDCPA exposure pattern for this defendant. Rough EV model (wide — class size is the big unknown, not a prediction): $500K–$75M Small, only loosely analogous comparable set; class size and per-member figures are rough estimates absent case-specific discovery data. · grounded in 10 rulings, 8 settlements, 1 verdicts | Filing | Consumer Credit (FCRA/FDCPA) | S.D. Fla. | 2026-07-28 | –$7.40M comparable settlements |