Case 3:05-cv-00321-RAM Document 264

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a ndoee nt el r n x. ' uo ov eor ipi eabi uona r ooc fnda w lsFagoBa k, A. smo nt @ut mo r ka wa dt .
# 21 and Doc. # 21 )1 o 5. 1. FAC rU AL & PRO CED J BA CKG R O U N D '

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P andf W e o on( a n o.le s ha nl yz mW el Fa g Ba , A.W e l l i f sl hns Pli df alge t ti ul ooz ls r o nk N. ( 1s Fa go , ss r cn t l a ont pr pe te Pli if dpur ha e ,heAdra i e r ) wa e vii g he o ns wo o r is antf ha c s dt itcAv nue
pr !ya t Fe s nde S r e pr ry l c t d i Po ta Or g ( c # 66a 3.2 ope' nd he s e n t e t ope t , o a e n rl nd, e on. Do . t t )
I Se em be 2004, ai ifsw ies i t paym nt on Loan 56, i i n pt r Pl ntf f ent n wo s btt nadver enty not t l ed

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o t c c st t he r i e dt pa o flo n's.( . 21 Fx.A a 5. W el Fa g n he he k ha t ywe e nt nde o y f a s Doc # O . t ) ls r o

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5 s a 6o.( . 21 ) I s e ue l fl d t e mo in purua t s c insz a 1 o t Fe r l 2, 9, nd Doc # 0. t ubs q nty ie h to s nt o e to o nd 1 f he de a 26 Ar ta i Ac ( AA) Cia i t w el Fa s ' a g e w11r fr t Do .# 21 whih W el Fa go bir ton t F . t tons o ls r os r um ' nt 1 e e o c 0, c ls r i or r tsbyr fr nc i oDoc.#21 . : 27 nc po a e e e e e nt 5 ! 2 Thr oughoutt ii i ,t pari al r prt het oansasLoans55and56, es heltgaton be tes so ef ot wol r pecdvel y; 28 de i d fom t l s t di t o t a c ntnumbe sf t l a rve r he a t wo gis f he c ou r or be o ns
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Case 3:05-cv-00321-RAM Document 264

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1 appledt chec t Loan 55, c i er one l ive t bei ar e s.( 4.sar ul, i he ks o whib t r ousybele d o n r ar 1d. A es t 2 Loan 56be camedei lnquent @d. Pl ntf serst tW elsFar er one ll r . ) ai ifas t ha l go r otsy port t ed he

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3 l n dei ue t c e tr p tn a nce ( t ) ( . 66a 3. F t r e Pl i if oa s lnq nt o r di e ori g ge is C1As : Doc # t ) urhe mor , antf
4 alege hatW e l Far f ec os on Loan 56 and c i dt er oneotsyr l st ls go or l ed gnt nue o r l l epor bot oans t hl 5 de i lnquenta Pl ntf pentni m ont m aki Aer ai ifs ne hs npphoneca l and s ls endi cor e ng r spondence,
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6 i l n c nc l dc e k a Ia do ume svek ngt l nswer curent (d. t3- ) ncudig a el h c s nd o n c nt, rf he oa e yi e r . f a 8.

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7 Be or t f ec os e s e,Pl i if s d bot t Adratc Avenue and Fes enden St ee f e he or l ur al a ntf ol h hy i i s r t

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8 pr opedi and r d t l es epai he oansi f l but healegest tmsa r s toft unf vor e c edi n ul, l ha e ul he a abl r t
9 r por s,he wmsunabl t obt n ne l e t e o ai w oans orr i nc e s efna e xidng m or gages and wasdeni t , ed

10 c edi (d. r t. J )
11 Pl ntf fl s t as er i cl m sundert RealEs at Se tem ent Pr edur s Ac ai if ed ui s tng ai he t e tl oc e t

1 ( 2 RESPA) 1 U. C. j2 , t s q.t Fa rCr d tRe ri , 2 S. j 601 e . e , he i e i po tnyAc I t FCRA) 1 U. C. j1 , , 5 S. j 681 1 e .s q.t Fa rDe Co lc i Pr c ie AG ( 3 t e , he i bt le tons a tc s FDCP , 5U. C. j 1 92 e .s qua f A) 1 S. j 6 l e nd or
1 neglgenc ( 4 i e. Doc.# 66. )

1 5 On 0c o r29,2007 t c tis d a or rg a tng s mar j m e a t t be , he our s ue n de r n i um y udg nt s o 1 Pl i if RESP FDCPA, nd n g i e eca ms a de ngs m a yj m e m t t 6 antf' s A, a e lg nc l i , nd nyi um r udg nt s o he 1 FCRA ca m. ( c # 9 ) W ih r s c t t FCM cam , hec ur f und t tt c e t 7 l i Do . 4. t e pe t o he li t o t o ha he r di
1 r t obt ned i c 8 epor s ai n onne ton wi. Pl ntifscom m er i ll ci t ai f h c a oans do notf lundert FCRA, al he 1 butt eobt nedw ih Pl ntf 9 hos ai t ai ifspezs -onal i of edi ndper lnes cr ta sonal fnanci et um er ngar kons

2 r po t 'f li wihi t c ve a eof heFCM .(1 a 9- 3. 0 e rs'alng t n he o r g t d. t 1 )

21

On No mbe 30, ve r 2007 W el Fagomo e f s , ls r v d or umma yj me tm t Plitf' r udg n s o an if s

22 s vhrngFcM c ai , gui ha ti sed on c edi Pl ntf oughtf ur i l m ar ngt ti sba r t ai ifs orbusi spur nes pose s.

23 ( Doc.# 1 ) On M a 1 2008,t cour is an or g antngt m oton i part and 05. y 4, he ' s ued t der r i he i n ,

2 d n/ngii pa t ( c #1 3. Tbec t etr tdt the ewe ege ui is so m't ra 4 e tn r. Do . 5 ) our r ie ae ha t r r n ne sue f aeil
25 f c a t W el Fa gosla lt unde t FCRA.( . 1 a 9. Ne t t c 'a l e a t s o ls r ' ibiiy r he Doc # 53 t ) x , he oul nayz d t
26 eac ca e y of Pl ntf' c ai ed dam a i vi ly. The cour f h t gor ai ifs l m ges ndi dua l t ound t m os of hat t

27 Pl ntf c ai ed dam ages r l ed t hi i biiy t s cur cr di t pur ue hi bus nes ai ifs l m e at o s na lt o e e e t o s s i s

28 2

Case 3:05-cv-00321-RAM Document 264

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1 v nt r s a e u e , ndwe eno e o e a eunde t FCRA. Do . 1 a 1 30. Howe r t our r tr c v r bl r he ( c # 53 t 8- ) ve ,hec t

2 conc ude l dage nei s ofm a e f tei s ed% t nui s ue t hz ac t owhei erpl indf c dr verdam ages oul eco

3 undert FCM wi. r pectt t f l ngt ans tonb:()t Jam eslanePr t (d. he t es h o he olowi r ac i 1 he a opery f

4 a 22 ; 2)t Er W a pr pe t (d.a 25 ;( )t S( T soc s l (d.a 2 - 8) a ( t ) ( he na y o r' i t ) 3 he ly t k ae f t 7 2 ; nd 4) y

5 t de r a ei ce tlne o hi Pr vi ana Ba ko Ameiace tc r (d.a 29- 9. he ce s n r di i s n s o di nd l f tc r di a ds f t 34 t 6 Thepa te s e ue l s i l t dt s bmi t mal rt bi nga bir to ( . ris ubs q nty tpu a e o u t he te o ndi r t a in. Doc 1
7 # 1 )The agr t t Fe a Ar tatonAc ( )woll appl andt alpr ous 94. y eed hat he der l bir i t FM zd y, hat l evi
i

8 o de sa nli se e e byt c ul woul bebi ng, a i a e or e bl @d. The r r nd lng nt r d he o ' t d ndi v ld, nd nf c a e. ) 9 pa e Y smum al e e t dr dr dj dc f ecaio ni udof lys l ce e e c eo i lf r aco Appe M iha l t, s he r z, c e No ta t i 1 ar tat ,and he hear t m a t i Januar 2009. ( c Doc # 21 Ex. A a 2- ) On 0 bir or d he ter n y Sc . O t 3.
11 Fe a y 24,2009, tceNot i ued hi ar t aton awar fndi W elsFar vi at t bnl r Jus i t ss s bir i d i ng l go ol ed he

1 FCM .( c # 2 O Ex.A a 6. Hee t r d a a do da g si t a o to $26 91 2 Do . 1 ' t ) n e e n war f ma e n be m un f 0, 0 1 i fvoroft Pl ntf, okendownasf l ()$1 ooof t Er W aypr ty;( 3 na he ai ifbr olows: 1 5o, or he na opel 2) 1 Sl ooo i e ina d sr s ;( $5500 f t d c e e i c e tlne o Pli ifs 4 oo, n moto l ite s 3) , or he e r ms n r di i s n antf 1 Pr i a a Ba k o Ame i. c e tc r ; nd( $541 f rf e l ur f e r l t dt t 5 ov din nd n f rc r di a ds a 4) , 0 o or cos e e s ea e o he a
1 Fes enden pr t ( 6 s opery. Doc. # 21 Ex. A at6. l an am endment t ar t at awar o ) n , he bir or ded

1 Pl i if$3 , 1 i c s.a $4277 96i a t ne sf e .( . 21 1( B)a 1 ) 7 antf 7 069.5 n o t nd s ,38. n tor y' e s Doc # 0- Ex. t 2.

1 Thec tc fr e t a bir t rsa r a e e e j m e .( c # 201 2 ) 8 our on m d he r t a o ' wa d nd nt r d udg nt D . - 02.

1 9 W elsFar fl d a m ouon t vaca e orm odiy t ar t aton a ar whi t c l go ie o t f he bir i w d, ch he ourt

20 de i d.( cDoc # 21 21 , nd 2 ) Bo h pa te a pe ld.( c # 204, 6, ) The n e Sc . 0, 5 a 25. t ri s p a e Do . 22 229.

21 Ni . Ci c tcoul of nt r ui h Appeal s uedi opi onon Fe si s l ni bruar 1 201 r andi hecq ewib y 5, 1, em ngt s t

22 i t uc i ort cotr t e ons de hem oti oc im andvaca et bir orsa d ns r tonsf he l t or c i rt onst onfr t hear t at ' war

2 un rt FAA.John on1.W el goHomeM o t ge 635F.d401 41 41 1 ( t1Ci. 3 de he . s J l sFar rga , 3 , 2, 4- 6 9 l r 2 201) 4 1.

25 I LEG AT. l. STA N DA . D R

26

Tbepartess i at t e eri o bi ng ar t aton and s ci aly p ded tl a i tpul ed o nt nt ndi bir i pe sc l ovi lat

27 par ym a appl t t c 'f an or c t y y o he oul or t der onfr i an ar t aton awar i acc danc w ih m ng bir i d n or e t
28
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Case 3:05-cv-00321-RAM Document 264

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1 t FAA whih t c ul mus gr tunl s i va a h , odi sorc r c. t a r ( . he O c he o ' t t an e s t c t s m fe ore t he wa d. Doc s

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2 # 1 )TheNi hCic tc nfr dt sanda dtl'oul s al et r viwt a bir t ' 94. nt r ui o me he t r lec l h lus o e e he r ta ors
3 awar i t s f t i t FAA.Johnson,635 F. at41 416. d s.hat et or h n he 3d 4)

4 5
6

Thedit t o shc c udma ymodi o oreta a r na f e numeae i a : / rc r c n wadi nyo Gr ee rtdjm doc ( )W he et r wa a e ntm a e ilmic lulton o fgu e ora e de a r he e s n dde t ra s a c a i f r s n vi nt
m at i m it i t des r pton ofanype son, hi orpr o r er e o eral s ake n he c i ' l r t ng, ope ef r dt
i t e aw arr n h d

unl ? i i a m ater not afec i t m ert oft demson upon t m a er es t s t f tng he is he i he tt

s ubm lle t d
c r ont over y. s

( W her t ar tat shaveawar d upon am a ernots it t t , b) e he bir or de tt ubm ted o hem

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9
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() r hea r i i e d i matro f m no afci heme iso t c Whe ei wa d s mp de n te for t fe tngt rt fhe

Theo de maz ihp dc r c a d,om oefc t n e t r o a r r lmo an oretie war s st fe t heit nthe e f nd pr m o ej tc be we nt pa te . o t usle t e he ris
9 U. C.b1 . S. 1 The dit i tcourtm a vac t an ar t aton awar src y ae bir i d: ( )whe et a r wa pr ur dbyc nz ton? r uds undueme s 1 r he wa d s oc e or p i fa or an ; ( )whe et r wase i en pa taiyorc ml toni t a bir t r , ret r 2 r be e v d t r il t or p i n he r ta o s o ihe
oft ; hem

1 2
1 3

( rher t ar tMt swer guit ofm icondpc i r tsngt pospoqet 3) e be bir or e ly s t n efzi o t he

1 4
l 5
1 6
17

a dlguansh ce rasyowno i rr ljt ho bie h ttgn hamaeplouf l tcue;oo,rohfsnealrvwhc jeles nrntrotte o oeshrfn n eu s hva e dpe riht e ,l f n - rs ay t mi o y l r t q n
ofa partz ny ) hav:been pr J c or e uda ed;

t tamutzl fna,a d de t a r upo t es j tma trs ltd wa ha ta , l n lnie wa d n ub ec te ubm te s

notm a de.

()wheet blrt se c e dt ipo rjor oi de tye c j dt m 4 r hear taor x e de her we s s mpe cl xe u e he

9 U . C. 1 S. j o. f t s hough t wor f a f tdi egar f l do notappeari tl FAA,t y ha Al he ds m nies sr d or aw' n le he ve

1 8
1 9

c m e t s n, a aj dii g o s o ta sa ar f va a urs tf rh i F j, a ( . o o e e s u cal l s n le t nd d or c t e o t n AA o( )4)' '

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Jo on, 5F.d a 41 (ii Ky e a Co p.t.Pr ntalBac Tr Se v .I .3 hns 63 3 t 4 ctng oc r r 7 ude i - he ade r s, nc, 41
20 21 22
23

F. 987 997( t Ci. 2003)( nban ) Bo ac t.S6war 5 F.d 1 3d , 9b r e c; s k ? d, 86 3 096, 1 ( h Ci. 1 04 9t r

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2009) asam ended Ocober26,2009;andHalSteet s i e ,L. C.l.M ate,I 552 , t l r As ocats L. J tl nc,

U. . 6, 5 ( S 57 58 2008) .f a f s dir g r o t l w'i dho t nd f rasa t or g o ) s nie t s e a d f be a 's d rba o t tl y r und M s t

undert FAA.s i aly 9U. C. 1 a ( ,whi sat t t c 'mayvac e' e he , peclc l S. 5 o( )4) ch t es hat he oul t at wher
t ar t at se eede t 'rpow er ' Com edy Cl Inc. l. I ov W ' he bir or xc d bei s.' ' ub, ? mpr e srds ocf e 555 s ct s,

24 25

F.d 1 77 1 90 ( hCi.2 3 2 , 2 9t r 009)( ii Kyo e a, 41F. a 99 ) Gl l nie tdir ga d ha ctng c r 3 3d t 7 . sM a f s s e r ' s

26 27

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s wi e HalSre nt c Ent Ni h Cic t, nd s wea ebo dt ap yi. Joh on, uz v d l r c i a t i he nt r ui) a o r un o pl t ns

f anies di r d oft l ' m e T om e hi beyond and dif entf om am er f M f t s egar he aw ' ans f s t ng fer r e

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2 635F. a 41 n.1 ( ti Comedp Cl 553F. a 1 91. 3d t 5, 1 ci ng ub, 3d t 290- )3

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4 e r i t l orf l e on t pal oft ar t at st under t and appl t l w .' r or n be aw aiur be 4 he bir or o s and y he a '

5 Colf 1.D. Horon I 5 F.d 87 87 ( t Ci.2007 ( uot to omit d ; c alo lns J R. t , nc, o5 3 4, 9 9. r h ) q a i n te ) s c s 6 M ih.M ut I .Co.u.Uni d Se .I s Co.44 F.d 826 83 ( t Ci.1 ) $ ltmls c . ns gar c n . , 3 , 2 9. r 995 . $ ) lt h E
7 bec e r t r or hat hear t at sr ogni dG eapplo bl aw andi en i e t' l arf om he ec dt t bir or ec ze i el gnor di '

8 Co dyCl , 3F.da 1 90(nt r l t to a ksa ia i nomit d) Furhe m o e me ub 55 3 t 2 i e na quo a inm r ndct to te . t r r , 9 Rtheg ve ni lw al g d t ha be n i r d by t a bir t r m ts bewelde d, Eq o r ng a le e o ve e gno e he r ta o s ut l Yne
1 e i t and c eary a i bl ' Colf ,505.F3d.at879- s e alo Cart r ?.H ealhN et 0 xplci, l l pplca e. ' lns 80; c s e J t

1 o vor a,3 4F. 830,838( hCi.2004) ' ibe e r ne uslg lc l insno 1 fcal ni 7 3d 9t r .' t r ro o e a oncuso Ne r 1 uns t nta e f c'a fnd ng jltf f de a c tr v e ofa a bir la r unde t 2 ubsa it d a t l i s ts iy e r l our e i w u n r t a wa d r he
1 s atze, c i unam bi 3 t tt whi h s guousi t sr n hi egar ' Kyoc a,341F. a 994. d. ' er 3d t

1 4
1 5

Thee ki a bi t sm ayc % ei egover ngl i pe tyi ec se tar ka or ons ni ar m dec l ni om ofdei i adecii t at pt i goodf t t l e e her l lverng son hat lem . n s aih o nt rpr tt eevantl aw,
orm a a e r sw ib r ped t hee de eon whl ht ym ke r or t es ot vl nc c heybms he rr i et i ulngs,

1 6
1 8

i ars hatevenr t oar tati ms um e andsuchlgalandf t er or j ikt paryt bir on s s, e ac' ual r s 1ef out i t c egor ofconduc embr edby b1 a)4) l ar sde be at y ' t ac o( ( .
M confr ed by t Ni . Ci c t t FAA ' t m he nt r ui , he h t andar ar hi y de er i lt t s ds e ghl f enta o he

l f al 7 d. t oo3.

1 ar t at 'Johs 635F. at41 s alopower 9 bir or. ' on, 3d 4; ee s Agent nc.l.El c.D at Sys.Cor , l J e a p.358

2 F.d 1 87 1 93( t Ci.2004) Thea bir t ' a r f a m a wiho e pl tonof 0 3 1 , 1 9. r h . r ta ors wa d f ybe de t ut x ana i m
21 t rr onsand w ihoutacom pl t r d oft rpr hei eas t e e ecor hei oceedi ' Bosac 586 F. a 1 04 ngs. ' k, 3d t 1

2 (ia i nso itd) Tft yc s nott d s , ti a1 i pos i et de e mi whe he 2 ct to m te . ' he ho e I o o o i s l but m sbl o t r ne t r 2 t y a t d V 'Amanie tdir g d f rt l w. So c k,5 F. a 1 0 ( t to a 3 he ce L I f s s e ar o he a ' s c 86 3d t 1 4 quo a i ns nd ' 2 ct tonso it d) s caloD. . ai & Co.I :l.Gotdine , F.d 95, 1 ( Ci. 4 ia i m te ; c s H Bl r , nc ? t e r 462 3 1 O 2d. r
25 26 3 As heNi t cic t e ,lc o t ma lov c t a r st t r 'o lt l ra ina.. t t n h r uinot d Eq urs yas a a e wa d ha a ec mp eeyir to l. . wih r s c t t c nta t,'bu W el Fa g di notmo t va a et a r ont t ounds t dic so i e pe t o be o r cEl' t ls r o d ' ve o c t he wa d ha gr o he s us in s 5

27 c i d t t m a f tdir g r s a r . Johnson,635 F. at41 n.lo, onfne o he nil s e a d t nda d 3d 4 28

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1 2 006)the c ur s ul c im a a r i :a g . und f t a bir t , de ii c n be t o t ho d onfr n wa d f r o f or he r t a ors cson a

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2 i ered fom t f t oft c e'. nf r r he acs be as ' )

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Cont ar o Pl ntf ar r yt ai ifs gum ent, elsFar di notw ai isrghtt vac e, odiy,or W l go d ve t i o at m f

4 A . W ELLS FAA G O DID N OT W A W E I RI H T TO V A CA TE TH E AW A R D TS G

6 c r e tt a bir to a r ( cDo .# 21 1 -2, . 22 a 2 4..TheNf h Cic t o r c he r ta i n wa d. Se c 4 11 Doc # 1 t - ) nt r ui

7 rj de t sv y c t n i fndi W el Fa g ' c uns ls a e hi i e t o j c a t ee d hi er on e ton, i ng ls r os o e t t d s nt nt o b e t t he

8 tl e ephoni s a tsc er c t tz onf enceon t m oton t confr .Johns 635 F. a 41 n. 9.M a he i o im on, 3d t 3 9 r s t W elsFar i note t e ul , l go s s opped f om m aki s h an ar enta t stm e. r ng uc gum t hi i
.

1 B. RELI CE ON A CON SUM ER QEPORT I PROW D I LESS FAVOQARLE 0 AN N NG

11 CRED I TER M S T

1 2

W e l Far ar ls go guest a he ward ofdam a f t Er W ay pr ges or he na oper y,de ems i cr t t cr e n edi

1 lnes andf ecos ef esw% i pr 3 i , or l m e m operbeo us eawar eo ddoesnotspeci alyr ert c edi fc l ef oa r t

1 r por hatwmsr leduponbyal 4 e tt ei enderi ext ngPl ntf es f a ec edi er s.( n endi ai i fl s avor bl r tt m Doc. 1 # 21 a 4- Doc.#21 ) ' 5 O t 5, 5.
1 6 Pl ntf onc st ai ifc ede hatt ar t at ' awar doe nots i aly r f enc acons er he bir ors d s pecGc l e er e um 1 r 7 epor , ar t but guest anyexplctori plctfndi nec s yf t a d ofdam a ar hat i i m i i i ngs es ar or he war ges e

1 a s e t bei s 8 s um d o n uppo t ft a r ( c # 2 a 1 - 5. r o he wa d. Do . 58 t 1 1 )
l 9 Thear t at snotr r oexpl nt ra i l orhi a ar Se bir ori equiedt ai he tona ef s w d. eBos k, F. ac 586 3d 20 at1 04.I ot wor , he ar t a orwasnotr r t m akes ii writ fndi t t 1 n her ds t bir t equi ed o pecfc ten i ngs ha

21 a c edi r r t epor was r i on by a l t eled enderi awar ng dam ges f t Er W a pr n di or be na y oper y, t 22 dec eas i c edi lnes,and awar off ec os e f . The ar t t acknowl r e n r ti d or l ur ees bir or edged he was

2 bo by a1pro de ii ns o t c ' a tl c ts cfc ly f und t tt r c v r 3 und 1 i r cso f be oul, nd fe our pe iia l o t ha o e o e

24 dam a sundert FCRA.Pl ntf ts s ge he , ai ifm l t how t eac t ans ton a i s i ved t ts hat h r ac i t s ue nvol he le

2 o a c ume r po'. ( .# 1 a 1 ) The c ul c n tl r f r i e t tt a bir t r 5 f ons r e z Doc 53 t 7. t o ' a le e o e nf r ha be r t a o t

26 conc udedac um err l ons eport i vedi aki hedam agesawar was nvol nm ngt dundert FCM .The he 27 f iur oft ar t at t r f r e an e i tfndi ofr i a l e he bir or o e e enc xplci i ng elance on a c edi r r t epor doesnot t
28 6

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1 w ar rantvacatur.

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2 C. AD R T ATIC AN D ER NA W AY PRO PERTI ES

Fis , el Far c le rt W ls go halngest ar tat ' a dof$5, 0i damagesf or l ur he bir ors war 41 n orf ecos e

4 fe r lt d t t Adra i Ave pr ry ( c # 21 a 5 7. S cfc ly, el Fa g e s ea e o he itc nue ope t. Do . o t - ) pe iial W ls r o

5 ar s t t Adr a i pr gue hat he i tc opery w a an i t entpr rt owmed by a lm ied labiiy t s nves m ope y i t i lt

6 c ompany,and anyf pai r l edt t tpr t wer f abusnes pur e.Ld.at7. ees d eat o ha opery e or i s pos l ) 7 Thear tat a dedt $5, 0i damage orf ecos e i onnec i wiht bir or war he 41 n sf or l urefes nc ton t he

8 Fc s ndc pr ry, tt Adra i pr pe t ( c # 2 0- I A)a 8. W e l Fa g i s c n ope t no be itc o ry. Do . 1 1 Ex. t ) ls r o s

9 c r tt tt c ' pr ousy r ed t tbeca u e t Fes enden pr r y was oumed by or ec ha he ouz evi l ul ha t ts he s ope t 10 Por l R. , Pol l R. pai t f esms at wih t spr 'y, hi s ii s tand E.and t and E. d he e soci ed t hi opel t s pecfc um t

11 wasnotr over eunde t FCM .( ec abl r he Doc.#1 at21 22. Thear t at r ogniedt he 53 - ) bir or ec z hat

1 wa boundb t sc tsr lnglmii c i r to o da ke t Plitf' lse a a 2 s y hi our' ui i tng onsde ain f ma s o an il o s s s s

1 c um e .( #21 1( A)at3, )Thear t a ore s ci alyr ogniedt c s 3 ons r Doc. 0- Ex. 6. bir t ven pe fc l ec z he oud'
1 nti ha hel t ee 4 lngt tt a ef sandcos son r nt pr t e al operteswer i ebus ne r l t pr c udi ec y i ss e a ed, e l ngr over

1 o da g sunde t FCM .@d.a 3. The e or ,nt si t nc ,ti ce rf o t r c r 5 f ma e r he t ) r f e i hi ns a e i s l a r m he e o d

1 t tt ar t a orr ogni e el w gover ngt FCM , di egar 6 ha he bir t ec z dG a ni he and sr dedt l bym al he aw dng l an awar ofdam agesdes t t f c t tt courtexplcty r ed Pl ntf c d notr over 7 d pie he a t ha he i il ul ai if oul ec

1 t $541 i da a e f f e l ur lt f q on t Fe s nde pr ry. The e or , hi 8 he , 0 n m g s or or cos e a e e s he s e n ope t rf e t s

1 pol on oft ar t a orsawar s 9 ti he bir t ' d houl be vacat d ed.
20

Sec ond, e l Far ar W ls go guest e denc s e d e howedt Er W ay dam agesc ai i r at he na l m s el ed

21 t ac m me ca pur s an i n r c ve a l unde t FCRA.( . 21 a 7. o o r il po e d s ot e o r b e r he Doc # O t )

22 Thear t at oundi a bir orf twhiel eEr l naW aypr opeo wu t hni lyls ed% abusi s ec o l it nes
23 pr oper y,i wmsac ua l a r i t t t ly esdencet twasused by Pl ntf m ot and s epf her who ha ai ifs her t at ,

2 r sde i i r ntfe .( . 21 1( A)a 8. W el Fa g i a gu ngt tt ar t a or 4 e i d n t e r e Doc # 0- Ex. t ) ls r o s r i ha he bir t

25 m ade an er ori i er etngt f t ort l w i conc udi t spr r n nt pr i he ac. he a n s l ng hi opqr .!w asa consum er tr 26 pr oper y and nota bls nes pr t z i s oper y. Thi i notm anies dir d oft l and t e i t s f t s egar he aw, her s

27 no bas st vac t t spor i oft awar i o a e hi ton he d.

28 7

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1 D . CR ED I CAR D S T 2 W els Far di agr w ih t ar e at ' fndi t Pl ntf' cr di lm is w er l go s ees t he bi ors i ng hat ai ifs e t i t . e

3 d c e s d a ar s to t lt m a lsW el Fa go r pore t t CRAS ( c # 21 a 8. e r a e s e ul f he a e rc ls r e t d o he . Do . O t )

4 W elsFar pr desl t sf om Bank ofAm el c and Pr di and cont ndst es a ih l go ovi et er r 'a i ovi an e hey t bls 5 t tW elsFar sr ha l go' epor sofl t paym ent pl ye no r e i t r t ae . a d s ol n he educ i ofPl ntf ' c edi ton ai ifs r t

6 lmis (d.Ex.D a Fx. ) i t. 1 , nd , E.

7 W e l Far hasnotes a i hedt tt ar t a orkne and di r gar ls go t bls ha he bir t w s e dedt l i t s he aw n hi 8 ilt e.l t W e l Far m e e ya s t adk a e e rs anc ns ead, ls go r l er s s gr em ntwiht t hear ka orsi er e a i bi t ' nt pr t ton

9 o t f c sa l w.Thelte f o Ba o Am e ia s cfc ly sa e ,fin r a hi our f he a t nd a el r r m nk f rc pe i al t t s f q e c ng g

1 decsi wer ldoni er li or aton msw e l nf m a 0 i on, e i nt na nf m i l asi or doni econs ercr & tr pol nl um e e ' t

l o t fr tpe s n da v ' ( . 21 Ex.D. Thelter r Pr v d a sa e ,fwq 1 f he is r on ame bo e. Doc # O ' ) et f om o i i n t t s f e l

1 r ei d c edi i or a i fom Tr uni Cons erRel i .' (d. atFx. E. The 2 ec ve r t nf m ton r ans on um atons.. f ' a )
1 ar a a orcol dha onc ude atwhiei ecr i t- dcom pani s dedadi donz r sors 3 bi t vec l dG l e es% e em l 1 f de e i Pl i ifscr di lm is t r w ms a ca allnk be ween t dec s on and t 4 or cr msng a ntf e t i t , he e us i t he i i he 1 i orm aton r 5 nf i epodedt t Cl sbyW e l Far Si pl o he G ls go. m ybeca l et ar t a ordi notcom e ts he bir t d

l t t c l i W elsFar woul have pr e r fc.t tl decr ei Pl ntf c edi 6 o he onc us on l go d ef r ed, . , hat le ems n ai ifs r t
1 lm iswasnotr l t o W e l Far sc 7 i t e a edt ls go' onduc , snotm eant t ar t a ordir ded t doe hat he bir t s egar

1 t l Tbls, he e i nobassf vac i t spor i oft ar t a orsawar 8 he aw. z t r s i or atng hi ton he bir t ' d.
1 E. W ELLS FAA GO ' LT I TY U N D ER TH E FCR A 9 S AR LI

20

W e l Far ar s t ls go gue hat t ar t at f l t m ake fndi he bir or aied o i ngs r di t egar ng he

21 r ona enes ofisi tga i ( eas bl s t nvesi ton. Doc.# 21 at9- 2. l t d, el Far c endst o 1 ) ns ea W ls go ont hat
22 t ar t at onl dicus ed t i s i i i br he bir or y s s he nve tgaton n oad s r t okes and i pr , m opery appled a l i

2 g ne a ne lg nc sa r nfnd ngt i si to unr a ona l .(d. t1 . W el Fa g 3 e r l gi e e t nda di i he nve tga i n e s b e 1 a 1) ls r o

24 m ai ai a t olowe er r en ofi eFcM e nt nsi ti f l di equiem achdm ei ec vednodcegom aCM tr ei 25 t hatpl ntf wmsdiputngadebt andt ai if s i , hear t at aiedt m akefndi uppoG ngla lt bir orf l o i ngss i biiy

26 f e eementoft s a ze.(d.a 1-1 ) or ach l he t tt I t 1 2. t

27
28

Pl i ifm ai ai hear t a orsa d m us s andbecausee r a ntf nt nst bir t ' war tt r oneotsf t lndi u ac ual ngs
8

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l o mia lc tono t 1w dono prvi aba i i rrle .( c # 2 a 1 )I a ton r s ppiai f he a t o de ss o eif Do . 58 t 6. n ddii ,
2 he a gtes t ar t at di m a a f m alsndi t W e l Far di not condud a r z he bir or d ke ac ng hat ls go d

3 r asonabl i tgaton.@d. e e nves i i )

4

'

M t c texpl ned above,t ar t at i notr qui e t expl n t r i ef he our ai he bir or s e rd o ai he atonal or

5 hi awar Bos k,586 F. a 1 s d. ac 3d t 096. l t sc e t a bi r ors touta det l s m ar n hi as , he r t at e aied um y

6 of hef c ss r t a t ur oundi bediput andspeci lr onc ude a elsFar si dga on ngt s e, se lc l dG tW l go' nves d
.

7 wa unr ona e,nadequa e, untmel undert pr vi onsoft FCRA.( #21 1 s eas bl i t and i y he o si he Doc. 0-

8 ( A)a 4- )Thea bir t rwm not e uie om a s cfcf c ua fnd ng r ga d ngt Ex. t 6. r t a o s r q r dt ke pe ii a t l i s e r i he
9 r as e onabl soft i tgaton, w a notr r t di us t i s i i i m or enes be nves i i and s equi ed o sc s he nve tgaton n e 1 t whatW elsFar t r sf oad s r 0 han l go e m f br t okes. W elsFar hmsnotshour t t ar t at ' ' l go n hat he bir or 1l knew t a undert FcM and c et i ei.Atm os W el Far m akesan ar l ent hel w he hos o gnor t t, ls go gtm 1 t t ar t at knew t 1 undert FCM and m i appled i.M iapplca i oft l 2 hat he bir or he aw he s i t s i ton he aw
1 orf si i uo c entt va e an ar t a awar 3 act s ns i o cat bir l d.

1 F. EM O TI NA L DISTRESS D AM AGES 4 O

1 5

W e l Far cont ls go ends t ar t a or e r i awar ng em otonaldit es dam ages he bir t r ed n di i sr s

1 beca e:() Pl ntf f l t lnk t e damagest t use ofa c 6 us 1 ai if aied o i hos o he onsum e c edi r r r t eport

1 c nt i i r a ol c e t nf ma 7 o a n ngde og t r dii or dongo W el Fa g ( l h m o m ls r o; z t ee dona dite sd m a s l s r s n ge 1 we ee ieyar s l o Pli if busne sdo tln; 3 t a bir t s d no ha e e 8 r ntr l e u t f a ntf s i s wn t ( ) he r t a or houl t ve v n r
1 c i ed em otonaldit es dam ages bec e t onl c ai bef e hi was an aleged 9 onsder i sr s aus he y l m or m l

20 vi atonof heFCM ; ( Pl ndf' ownsat ol i t and 4) ai fs t ement ei uK centt s swer ns i o uppor ana d t war

21 o e ina dite sda a e . Do . 2 a 1 1 ) f moto l s r s m g s ( c # 47 t 4-5.

2 2

Pli ifc e st tW el Fa gone ro jce t t a r o e to ldites antf ountr ha ls r ve b et d o he wa d f moina srs

23 damagesa ar taton ori isorgi m ovi paper . ( t bir i n t i nal ng s Doc.# 258 at1 ) l addii he 5. n ton,
' 24 ar est pz hathedi es es dpr entt dmonyc er ngi ei onc ni mpac tofhi nabii t uppodhi a iy. si ll os sf

2 (d. 5 Ij 2 6 I a r ngPl i tf Sl oooi e o i na dite sda ge ,hea bir t rsa e ha n wa di a n if oo, n m to l s r s ma s t r ta o t t di t

27 Pl ntf e tse c er ng t har t ne tvecom m ent W e l Far t ans il t t ai ift s i d onc ni he m he ga i s ls go r m ted o he
28 9

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l CRM hado hi busne s hi homelf , sr l ton hi ui. hi wiea hi he lh.( c # n s i s, s ie hi ea i s p t s f nd s at Do . h 2 21 1I ,.A)a 8. 0- Fx t )

3 Fi s ,t c tcannotconc ude t tt a bir or m anies l di r gar t 1 i r t he our l ha be r t at f ty s e ded he aw n

4 a r nge to l kesda g s ous fi aldt i heda g st o ume wa di mo ina is s ma e be epandffie olnkt ma e oac ns r
5 cr t r edi epor . As t c tf t he our ound above,t ar t a or i not r r t pr de a f l he bir t s equied o ovi ul
6 expl i ofhi awar Bec et ar t a orde er i W elsFar vi a ed t FCRA. anaton s d. aus he bir t t m ned l go ol t he ,

7 and awar dam ages i i r as ded , t s e onabl f t c ' t i ert he f e or he oult o nf hat ound a lnk bet i ween 8 Pl ntf' dam agesand ac um e c edi r por c ai ng der or i or aton r por ed ai ifs ons r r t e t pnt ni ogat y nf m i e t 9 by W elsFar l go.
.

1 0

Sec ond, n e i ngt em otonaldit e dam agesa ar t c tca i xam ni he i s r ss w d, he our nnotconc ude, l

11 asW elsFar doe t tt em otonaldi t es dam age w e e entr l a r stl ofPl ntf' l go s, ha he i sr s s r i e y e lt ai ifs 1 bus nessdownt n.Thear t at peclc l r er 2 i ur bir ors i aly ef enced Pl ndl st s onyconcer ngG e ai e dm ni 1 har G enegauvecom m en hadonhi 3 m shom elf hi r a ie, s el ionshi t swie, pwihhi f andhi shea t lh.

1 ( c # 21 1( A)a 8. 4 Do . 0- Ex. t )
1 5 Thid,W e l Far sar r ls go' gum entt t ar t at coul note consi an em otonal hat he bir or d ven der i 16 dit es dam agesc ai i una lng bec ue hecoul r overem otonaldit e sdam agesas sr s l m s vaii ats d ec i srs 1 a e em entofhi act dam ages Em otona di t es i an e em entofdam ages and nota 7 n l s nal . i l sr s s l , l s par e ca eofac i 8 e at us ton. 1 9 Fi ly, elsFar sar m entt heawar hoi dbevao t na l w l go' a hatt ds edbeo us Pl ntf' own e ai ils

20 s a em ent w e e i uE c entt s tt . r ns i s o uppor an awar ofem otona dit es dam ages i e l t d i l sr s s qualy
21 una lng.W elsFar r leson Cous ' t. Tr Uni Cow , 6F. 3 ( t Ci.2 ) vaii l go e i i 7 ans on n 24 3d 59 5 h r 001,

2 t uppo thi r m e t ( . 2 11 )The e t Fitl r ui c s dG er quie e t 2 os r t sa gu n . Doc # 47a 5. r ,he fiCic t&s us e e rm n

2 o pr f f tz ln ur or na r f e a or m o i na dite si a a tonbr ug un r 3 f oo o ac t i j yf a wa do m nt l e to l s r s n n c i o ht de a 2 42U. C. 1 4 S. j 983.I a 3 (ia i nso it d) TheFi b Cic ts a e ' e r quie f d. t 71 ct to m te . f r ui t t d, y e r s a t car
25 de ee ofspeci iy whih m a i l c r gr fct c v nc ude or obor i t tm ony orm edi orps hol cal atng es i cal yc ogi

26 e denc i suppor oft damagea d.'f ( r cor added) Ther t court ocused vi e n t he war ' d. unde s e ' : e, he f

2 onies o f e dmon 7 c peo iets ysve r eplidfz di t a t o r bortngts nbli an but dno s yia c ro ai edmon y
28 yo

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1 was r r as W e l Far s equied, ls go ugges s. fd. l por anty,whie t Ni h Cicui hms no t m t l l he nt r t t

.

2 ex iil plctyaddr s es edwhatt ypeofe qdenc snec s A ei e sanros t uppod = awr dofe otonal s r s m i dit es 3 dam age undert FCM ,i ot rc ex s,thasde lned t f l t Fit Ci c tsm or s he n he ont t i ci o olow he fh r ui' e

4 s n e trq e n or mo e g n e lrme uf e Honz dite sda g s S ezh t. rc nGe sef ds sr s ma e . e ang ?Ame ia m aoo , 5 339F. l 3d ozo, o ( t Ci. l 4o 9 h r 2003 ( ) upho &nge dona dama e ba e l e dm o ) l mo l g s s don yont s ny ;
6 Johns t.Hal 1 F. 1 ,352( hCi 1 on ? e, 3 3d 351 1 9t r. 994)( emodona dam a sm aybea dedbas l ge war ed 7 onl on t tm onyorappr i ei er efom cic t es . Ot ditit wihi t y es i oprat nf enc r r ums anc ) her src s t n he
8 N i h Ci c tagr t hepl ntf t tm onyal can bes ci oes a ih em ot onal nt r ui ee hatt ai ifs es i one uo entt t bls i

9 dite sda ge . e lo t. uiaxlf matons r ie , 522F.upp. 1 22,2 srs ma s Se Nes n lEq f n or i e vc sLLC, s zd 2 1 35
1 ( D.Ca . 2007)( ng t pl ntf' t s i ony al c e t ih emotonaldit es 0 C. l fndi hat ai ils e tm one an s abls i sr s

1 da g si l 1. 1 ma e lAcon J Bankonecor 29 S 2 1 ( Arz 2003)rjcigt li g, 3F.upp.d 092 D. i. (ee tn hehodng

1 i Cousn) The f e,hec fndst r wasnomanies dir d oft l i awar ng 2 n f . reor t ourt i he e f t s egar he aw n di
1 e otona dit es dam ageson t bass ofPl ntf' t tm ony a one. 3 m i l sr s he i ai ifs es i l

1 G.W M VER O F TH E ESCROW ACCOUNT REQI IREM EN T 4 J

1 5 W elsFa goc enx G ear t at r edu am aterofl w i i ngt l r ont bir ore r a nfndi hepr vi e ousow ne s r

1 oft l wai t rghtt r quiean i poundacc 6 he oan ved he i o e r m ounton Loan 55.( # 21 a 1 ) Doc. o t 2.
1 7 W e l Far f l t poi out wher i t r ord i i e dent t t t ar t t ls go ais o nt e n he ec t s vi ha he bira or l r cogni ed t applc el and i ed i. I t 8 e z be i abl aw gnor t ns ead,i m er l dr t e y aws a c l on t t onc usi hat he

1 ar t at er ed msa m at erofl Thi i notm anies di r d oft l w . 9 bir r r t aw. s s f t s egar he a

20 H . A ' O R N E' S FEES I V V

21

W el Far ar est tunder9U. C. 1 a)4) t ar t a orexd ls go w ha S. j o( ( ,he bir t eededhi powe sby s r

22 awar ng Pl i iff esand c t f hi f l RESPA,FDCPA and neglge c ai s and t di a ntf e os s or s aied i nce l m , he

23 onl aut iyt ar t at ha t a dcos. andf waspur uantt t FCM .( # y hort he bir or d o war t s ees s o he Doc.

2 21 1 1 ,Do . 2 a 2 21) W el Far a s c nt dst tPl i tf s tl no r c e 4 O 3- 6 c # 47 t 0- . ls go lo o en ha a n if hold t e ov r

25 fes= dc c beo u ei e e os yredipr s opoY onat ot bi orsawar ( #21 at1 1 ) et hear aat , d. Doc. o 3- 6.
l

26 Fi ly,i ar nal t guest tt f r ha he ees equesed by Pli ifar i lt d. at1 1 ) t antf e nfa e ld. 5-6.

2 7
28

P a n if s ers i e ildt na r al ne f e a os s de t Fcl a l i tf a s t he s ntte oa wa dof tor fs e s ndc t un r he u nd

1 1

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l t F.A.( #258a 1 )Hezs ont G ear Da orf he A Doc. t 6. oc enx bi t oundG ef wer oi e ne ac es nt Y d
2 am onga1 c esofac i hathef l aus tont ound i appr i et aw ar al ofPl nt/ sf sand c t t oprt o d l ai i ee ps s.

3 @d. Fi l heas ert t tt ar t a or' decson on t sis wasnotir i s ast ) naly, s s ha he bir t s ii hi s ue ratonal o o

4 c tt ema f s dir g r o t l w, nd t r f r mts ta (d.a 1 1 ) onsim nie t s e a d f he a a he e o e lt t nd. I t 6-7.

5 Thear tat awar d Pl ntf $37, 1 i c t notngt tW elsFar pose no bir or de ai if 069.5 n oss, i ha l go d

6 o j c i nt hea o o c s s o ht ypl i tf.( . 21 1I .B)a 1 )Thea bir t b e to ot m unt f o t s ug b a n if Doc # 0- Ex t 3. r t a or 7 al awar Pl ntf ator sf i t am ountof$427, 96.(d. l awar ngf s, so ded ai if t ney' ees n he 738. f ) n di ee
8 t ar t at s a ed: he bir or t t

9
1 0

Elhear tat not t tt shotycont t ltgatpn l t f overt q ' l bir or es ha hi l esed ii i assd or hre year ,and i ved t andsofdoc ent Thear t a orl consdentt t s nvol hous up s. blr t s ha t ei pl yof a tt goar her s ent f ul o oundr awet dic ypr ems.Thear t t elt o s ovsr obl bira or

q j no e t ! v nt ght a un o r c ve yl ls t nt a t ne e s lo t s ha e e hou he mo t f r o r s e s ba he tor yf e ,

l 1
1 2

Jhao t fa t ei'rluoeoattossrr dech l eory r llnfcoleralva'ncssfa lln-lgrlsq rcvnT.Mr tssawm z htogtq atr mig tol awhis f ertal mo. o n sf ddtea rtwh l d es wa l o l ,a e s
,

t a de m i m tss . han ni t um

1 3
1 4
1 5
l 6
17

The dee e r que t t gve a c e i a i ! t wor t de e e lwye s f ns e q o i r dt gans he k he f ns a r

oft ne lgencec e ofac i and t pl l ifwasenttedt t tt wat r he g 1 aus ton, he a ntf il o es he e s ast t ot f r c esofac i o he her ede al aus ton.

expendsdondeendl f nglgai tt us sof topt twer m ls sdenidr ns heca e ac ha eis edi e Thear t l orhaspr uousydicus ed hi l s ngsr a i t t di s al blr t e l s s s pipvi eltve o he smls

( # 21 1( B)a 1 ) Doc. 0- Ex. t 3.

Pr lmi rl snc el F g ei na iy,i eW ls ar oidno o j c oi ea bir t rsa r c t zhec ur t b e tt r t a o ' wa dof oss t o t ai if c nfr t a r i tl a o ims he wa d n le mounto $3706q.5i f vorofPl ntf. f , 1 na
.

1 8

W i. r pec ot f es,ti undi put t t es tt he e i s h s ed hatt FCRA c ai wmst onl m aterbe or he lm he y t f e

1 9

t ar t a or and a part who i s es f li an ac i br he bir t , y s ucc s u n ton oughtundert FCI A i entted he L s il

20

f r c ve c s sa r a o b e al ne ' f e . Se 1 U. C. l n( )3) 1 o( )2) o e o r o t nd e s na l tor ys e s e 5 S. jj 681 a ( , 681 a ( .

21

Ther f e,i i t c e or t s he ou/' vi t tt ar t a ordi note d hi pow e si aw a di f s ew ha he bir t d xcee s r n r ng ees

22

undert FCRA. Howe r t c ' m us det m i wbe hert ar t a orexc he ve , he oul t t er ne t he bir t eeded hi s
23

power i awar ng Pl ntf t ent r j ofhi f . sn di ai ' f he ietr i s ees

24

W hie t gener l nze i t t at ney' f s ar not r over e,sec H ensey u. l he a l s ha lor s ee e ec abl l
25

Ec e har, k r t46IU. 42 429(983 ,e sma wrde m s toaie-hYngsa es h S. 4, 1 )fe ybea dp ur t e s i tmt uc

a t FCRA.Sc St ont.Bo i g Co.32 F. 938, 65( t Ci.2003 ( ia i nsomitd) s he c at 7 e n , 7 3d 9 9h r ) ct to te

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1 (od s a me h d i g ne al t c r e tme bod f r c lul tng fe unde a f e s itng l e t r t o s e r l he o r c t y o ac a i e s r e - h fi

2 sa u e ;U. l. St t t t ) S. ? andar Oi Co o Ct fl 6o3 F. 1 1 ( t Ci. 1 9)(ia i s d l . f z /, i 2d 00, 03 9 . r 97 Ct ton h 3 omitd) Onc apa t e tbihe ii e tte oa a do al r y'fe ,'itr mansf te . e ry sa ls sts n ildt n war f to ne s e s ' ) e i or (
4 t hedit i t s rc court ode er i t t m newhat e s'ea f ei r sonabl 'ff nslp, e.D -c c 461U. a S. t433.U nderf al eder

5 l r ona ealor y' f ar gener lybms ont r tona dodes ar' l ul i s aw, eas bl t ne s ees e a l ed het adii l d l t 'ca c aton et

6 f t i Nensc SeeFfchcrI.M B- D.I ,21 F. 1 1 1 1 ( h Ci.zooo) Fis,a orh n lp. s ? P. nc. 4 3d 1 5, 1 9 9t r . rt

7 r ona ef i de er i dby m uli yi T henum berofhour r ona yexpe eas bl ee s t m ne tpl ng t t s eas bl nded ont he 8 lhga i don'by'ar ona ehom l a e. H e l y, U. at433.Sec ' ' eas bl yr t ' ns e 461 S. ' ond,hel t odes aram ount t

9 ma bea j t d ba e on a e l ton o t f c o sa tc a e i Ke r?. Sc c n Extas y d use s d n vaua i f be a t r riult d n v J r c r 1 Guid I 526F. 67 7o ( t Ci. z 5) whih ha eno be n s bs e i t l de t r 0 l , nc, 2d , 9 h r 97 , c v t e u um d n be o - a s 11 c lulton.Sc Bale t.L po dmond, 6 F. 7 7 ( t Ci.2006 ; s he ,2 4 ac a i c ln ) 5t fRe 46 3d 36, 46 9 h r ) Ffc r 1
1 F. a 1 1 ( ia i O te . 2 3d t 1 9 Ct ton mitd)
1 3 The r l vantKerrf t t be c der i t sca i T he r uls o ai ' ac or. ee ac or o onsi ed n hi se s ' es t bt ned'f t t 1 Ke ,526 F. a 7O.W hi f t i partc aryc uci wher apl ndf sdeem ed d e lng' 4 rr 2d t s ac or s iul l r al e ai fi pr vaii 1 e t 5 ven hough he s c uc eeded onl on s eofhi c ai sf re i 'N e ep,461U. a 434. y om s l m or lef' nsl S. t

1 W e l Far r 6 ls go eque t a r duc i oft f e awar t t i o ac s s e ton he e d o ake nt counthour ex nded i s pe n

1 c nne tonwih t o he ca msa s tdt twe edimis d ons 7 o c i t he t r l i s ere ha r s s e umm a yj men . r udg t
1 Unde N enscp,t s de er i i i m adeby a w e i two ques i 8 r l hi t m naton s ns r ng tons:' r t di t ' s , d he Fi 1 pl ntf ai t pr lon c ai st wer unr l t t t c ai son whi b he s eeded? 9 ai iff l o evai l m hat e e a ed o he l m c ucc

20 Sec ond,di t pl ntf ac e a l velofs ce t m akest hour r d he ai if hive e uc ss bat he s easonabl y

21 e xpended a s if t y bassf m aki a f awar ' H ensl 461U. at424. ats ac or i or ng ee d. ' ey, S. 22 I appear t ar t at ans ed no t t fr tque ton. Cl m sar r l ed i ' hey t s he bir or wer o he is si ai e e at f ' t

2 ivoveac 3 n l ommonc eo fc.o a eba e onrltdlg lhe is' Th s'.Ci o or f a t r r s d eae e a t ore . oma t @ f s ' ) 2 Tac 4 oma, o F. 6 6 ( t Ci.2005 (n e na quo a i omit d) Thecam s 4l 3d 44, 49 9 h r ) i t r l t tons te . li
25 as er ed by Pl ntf s t ai ifwer al c eary r l ed,ars ng f om t s ecom m on c e s toff t . e 1 l l e at ii r he am or e ac s 26 The ar t at appear t have ans e t s bir or so wer d he econd que ton i t a r atve.Fr s i n he m i om

27 t ar t at ' c m ent ,i i r ona et i ert thedet m i Pl ntf hi ved a he bir ors om s t s eas bl o nf ha er ned ai ifac e
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1 l velofsuc s t tm adet hour r as bl e e ce s ha he s e ona y xpende a sa if t y bassf m a ngt d ts ac or i or ki he

2 f awar ' rei no pr i rul orf m ul f m a dng t e det m i i 'H e ey, ee d. ' The s ecse e or a or l hes er natons.' nsl

3 4 U. a 434.G c ul ne e s rl ha dsr toni ma ngt se uia l j me . 6l S. t The o ' c sa iy s icei n ki hi q tbe udg nt' t '
4 1 at436- Pr d. 37. opori lt i nott t t Scef a 435 n. 1 . tona iy s he es . d. t 1 5 The ar t a orc l bir t onc uded t tt s ac i i ve pr r t ltga i and f ha hi ton nvol d ot ac ed ii ton, ound

6 t tt r ul wasc tai y m or t dem i m i The courtcannotconc udet ha he es t el nl e han ni s. l he 7 ar t at exce bir or eded t s he cope ofhi power i awar ng Pl ntf t ent r am ountoff s. s sn di ai if he ie ee

8 Thi i nota ca e wher t r or i c e t tt ar t a ordi r gar d t l , ss s e he ec d s l ar ha he bir t s e de he aw but

9 i t ad,i i a c e wher t ar t at w aswihi hi di r t on i det m i ng Pl ntf ns e t s as e he bir or t n s sc e i n er ni ai if 1 wasentted t t entr awar off . 0 il o he i e d ees .

11

Next whie t am ountofdam agesawar d m a be com pa ed t t am ountoff , l he de y r o he ees

1 s 2 ought af e awar i notr quied t be pr , e ds e r o opor i tonalt t am ountofdam agesr over d. o he ec e

1 Se M c 3 e cown v Cfpo . t fFont 565F. 1 1 1 ( . Ci.2009 ( 4, 2.6i fe ana, 3d 097 104 9t r h ) $5 01 7 n e s

1 awar d wher dam agesr over wer $1 000) 4 de e ec ed e 5, .
1 5 Fi l W elsFar scl m t tPl ntf f esar i l ed wasaddr sed att naly, l go' ai ha ai ifs e e nfat es he 1 hear ng on t sm oton.W e l Far ar 6 i hi i ls go gued t tt ar t a i wasc pl t d f t t e ha he bir t on om e e or p br e

1 daysaf e t notceofle i t scms wasfl and i wmsi r i lt ms um ePl ntif 7 t r he i i n n hi e ed, t r atona o s ai f

1 c ul h v i ur e $26 000 i f e fom t tm et l n wa fld t ou ar t a in. 8 o d a e nc r d 5, n e s r he i he i e s i hr gh bir to e

1 ( 9 Doc.# 247a 23. Att bearng,Pli ifsc t ) he i antf ounse r pr ent d t t $265, le l e es e hat he 000 in
20 fl f t t e daysbef ' ar t ton wasnotbms on f esi ur ed i t sc e. ied or y hre or bira i e ed e nc r n hi as
21 Tber f e,t sar entappear t be m oot e or hi gum so .
22

I . CON CLU SI N V O

23

I IS HEREBY ORD ERED t tt ar t a orsawar of$5, 0 i dam agesf T ha he bir t ' d 41 n or

24 f ecos ef esi c or l ur e n onne ton u1. t Fes ende pr r y i vac e and t r ai ci t: he s 1 n ope t s at d, he em nderof
25 t ar t at ' awar i c im e he bir ors d s onfr d. 26 I IS SO O RD ER ED . T

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28

Thec ur e e sj gme i fvorofPli tf W e Jo on, nd a a ns De e n o t nt r ud nt n a an if s hns a g i t fnda t

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1 W el Far Bank,N. ,i t am ountof$720, 1 . ls go A. n he 308.1

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