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CHOAI v. EARLY WARNING SERVICES, LLC

E.D. Pa. · No. 2:26-cv-05531

Full docket on CourtListener ↗

No federal docket timeline hydrated for this case yet (state-court settlements have no RECAP docket).

Our records for this case (1)

MatterTypePractice areaCourtDateValue
EARLY WARNING SERVICES, LLCsource ↗
filed by Greg Gorski Law, PLLC · Judge Gerald John Pappert · No. 2:26-cv-05531 · 15:1681 Fair Credit Reporting Act · view case timeline →
Comparable settlements –$7.40M ▾
Minano v. DLJ Mortgage Capital shows FCRA furnisher claims often survive only partially, with several provisions lacking private rights of action; Askins v. CRST shows disclosure-based FCRA claims can survive standing challenges. EWS's CRA-like role (Zelle/bank data) mirrors Equifax/Xactus settlement profile.
Comparable settlements –$7.40M median $2.23M · n=8
Trader Joe's $7.40M · Xactus $2.40M · Amazon.com Inc. an $2.25M
Per member (realized): ~$301 median · $102–$500 (n=2)
Comparable verdict: TransUnion, LLC $40M
Key precedent: Minano v. Dlj Mortgage Capital, Inc. — illustrates that FCRA claims against data furnishers/CRAs are frequently narrowed at MTD stage, likely shaping EWS's exposure.
Main risk: Dismissal of core FCRA counts for lack of private right of action or insufficient factual pleading, as in Minano
This defendant: Prior filing (Eliyahu v. EWS) suggests recurring FCRA/FDCPA litigation exposure for this defendant.
Rough EV model (wide — class size is the big unknown, not a prediction): $500K–$50M
Small comparable sample, no EWS-specific settlement data; wide class-size uncertainty drives broad EV range. · grounded in 10 rulings, 8 settlements, 1 verdicts
FilingConsumer Credit (FCRA/FDCPA)E.D. Pa.2026-08-04–$7.40M
comparable settlements