The district court dismissed a case in which plaintiff Freshta Nayab sued a banking institution alleging unauthorized inquiries in violation of the Fair Credit Reporting Act (FCRA). The court found Nayab did not have standing to pursue her FCRA claim because, even if the Bank’s credit inquiries were impermissible under the FCRA, “abset disclosure to a third party or an identifiable harm from the statutory violation, there is no privacy violation.” The court also dismissed the plaintiff’s complaint for failure to state a claim. A split Ninth Circuit, however, reversed the district court’s dismissal of the FCRA claim and remanded the case to the district court.
