D.S.C. · No. 2:26-cv-03408
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| Matter | Type | Practice area | Court | Date | Value |
|---|---|---|---|---|---|
| Credit One Bank NAsource ↗ filed by Capitol Counsel · Judge Bruce Howe Hendricks · No. 2:26-cv-03408 · 15:1681 Fair Credit Reporting Act · view case timeline → Comparable settlements –$7.40M ▾Comparable FCRA/FDCPA rulings split: Askins v. CRST found bare disclosure violations sufficient for standing, while Minano v. DLJ and Soul v. Christiansen dismissed most FCRA/FDCPA counts for insufficient pleading or lack of private right of action. Outcome likely turns on which specific FCRA/FDCPA provision is pled and whether concrete injury is alleged. 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 - shows courts readily dismiss furnisher-based FCRA claims lacking a private right of action or factual specificity, a common pitfall in Credit One-type disputes. Main risk: Dismissal for failure to state a claim on FCRA counts lacking private right of action, as in Minano, or for insufficient factual specificity as in Soul v. Christiansen. This defendant: Two other pending filings (Amor, Hernandez) against Credit One Bank on same FCRA/FDCPA theory suggest a pattern of repeat consumer credit-reporting disputes. Rough EV model (wide — class size is the big unknown, not a prediction): $225K–$45M Small, heterogeneous comparable set; actual class size and per-member recovery depend heavily on specific FCRA/FDCPA provision pled and certification outcome. · grounded in 10 rulings, 8 settlements, 1 verdicts | Filing | Consumer Credit (FCRA/FDCPA) | D.S.C. | 2026-08-12 | –$7.40M comparable settlements |