S.D. Fla. · No. 1:26-cv-25159
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| Matter | Type | Practice area | Court | Date | Value |
|---|---|---|---|---|---|
| Credit One Bank, N.A.source ↗ filed by Gear Law, LLC · Judge Jose E. Martinez · No. 1:26-cv-25159 · 15:1681 Fair Credit Reporting Act · view case timeline → Comparable settlements –$7.40M ▾Comparable FCRA/FDCPA rulings split: Minano v. DLJ dismissed most furnisher claims for lack of private right of action, while Askins v. CRST let a bare statutory disclosure claim survive; outcomes are highly fact-dependent on which FCRA provision is invoked. 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 - shows courts routinely dismiss FCRA furnisher claims (§1681s-2, §1681c-2) absent private right of action, a likely defense for Credit One. Main risk: Dismissal for lack of private right of action under specific FCRA subsections, as seen in Minano v. DLJ Mortgage Capital. This defendant: Prior filing (Amor v. Credit One Bank) under same theory suggests recurring FCRA/FDCPA exposure pattern for this defendant. Rough EV model (wide — class size is the big unknown, not a prediction): $150K–$10M Single-plaintiff filing with no confirmed class certification; class size and per-member figures are speculative extrapolations from unrelated FCRA settlements. · grounded in 10 rulings, 8 settlements, 1 verdicts | Filing | Consumer Credit (FCRA/FDCPA) | S.D. Fla. | 2026-07-30 | –$7.40M comparable settlements |