M.D. Fla. · No. 8:26-cv-03051
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| Matter | Type | Practice area | Court | Date | Value |
|---|---|---|---|---|---|
| Credit One Bank, N.A.source ↗ filed by Gear Law, LLC · No. 8:26-cv-03051 · 15:1681 Fair Credit Reporting Act · view case timeline → Comparable settlements $2.40M–$100M ▾Comparable FCRA rulings split sharply: Minano v. DLJ Mortgage Capital dismissed most furnisher claims for lack of private right of action, while Askins v. CRST found bare disclosure violations sufficient for standing. Credit One Bank faces similar furnisher-liability exposure, making outcome highly fact-dependent. Comparable settlements $2.40M–$100M median $7.86M · n=10 Equifax $100M · Equifax $30M · Equifax Informatio $30M Per member (realized): ~$250 median · $25–$500 (n=5) Comparable verdict: TransUnion $60M · TransUnion, LLC $40M Key precedent: Minano v. DLJ Mortgage Capital, Inc. — directly analogous furnisher FCRA claims dismissed for no private right of action under §§1681i(a)(5), 1681c-2, 1681s-2(a)(8). Main risk: Dismissal of core FCRA counts for lack of private right of action, as in Minano, leaving only weaker reporting-accuracy claims. This defendant: Credit One Bank shows repeat FCRA/FDCPA and TCPA filings (Amor, Hernandez, Dugarte, Hood Weber, Tran), suggesting recurring compliance/litigation pattern. Rough EV model (wide — class size is the big unknown, not a prediction): $100K–$20M Single-plaintiff filing data; true class scope, certification likelihood, and Credit One's customer exposure remain unverified. · grounded in 10 rulings, 10 settlements, 2 verdicts | Filing | Consumer Credit (FCRA/FDCPA) | M.D. Fla. | 2026-10-08 | $2.40M–$100M comparable settlements |