Lazyan v. Bank of America, N.A.

C.D. Cal. · No. 2:26-cv-12247

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

Our records for this case (1)

Matter	Type	Practice area	Court	Date	Value
Bank of America, N.A.source ↗ filed by McCarthy Law PLC · No. 2:26-cv-12247 · 15:1681 Fair Credit Reporting Act · view case timeline → Comparable settlements $2.40M–$100M ▾ Minano v. DLJ Mortgage shows FCRA furnisher claims routinely dismissed for lack of private right of action or insufficient pleading, while Askins v. CRST shows bare statutory FCRA violations can survive on standing grounds. Mixed precedent plus BofA's repeat FCRA/FDCPA exposure (Durgavarjhula, Anton) suggests case-specific pleading quality will drive outcome. Comparable settlements $2.40M–$100M median $7.86M · n=10 Equifax $100M · Equifax Informatio $30M · Equifax $30M Per member (realized): ~$250 median · $25–$500 (n=5) Comparable verdict: TransUnion $60M · TransUnion, LLC $40M Key precedent: Minano v. DLJ Mortgage Capital — dismissed most FCRA furnisher claims (no private right of action, insufficient pleading), the closest analog to BofA-as-furnisher FCRA theory. Main risk: Dismissal under FCRA's limited private-right-of-action for furnisher provisions (1681s-2(a)), as in Minano, before any damages analysis. This defendant: BofA faces recurring FCRA/FDCPA filings (Durgavarjhula, Anton) plus large TCPA ($32M) and fee ($8M) settlements, showing willingness to settle but also to litigate FCRA technicalities. Rough EV model (wide — class size is the big unknown, not a prediction): $175K–$28M Single-defendant filing with no detailed complaint text; class certification, exact FCRA/FDCPA subsection, and pleading specifics unknown, so EV range is highly speculative. · grounded in 10 rulings, 10 settlements, 2 verdicts	Filing	Consumer Credit (FCRA/FDCPA)	C.D. Cal.	2026-10-20	$2.40M–$100M comparable settlements