Loor v. Transunion LLC

Background

Bridget Loor, appearing without a lawyer, brought claims against Transunion LLC under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Equal Credit Opportunity Act. On June 9, 2025, the court granted Loor permission to proceed without prepaying court fees.

Service of process

Because Loor was permitted to proceed without prepaying fees, the court determined that she could rely on the court and the U.S. Marshals Service to serve Transunion LLC. The court instructed the Clerk of Court to complete a U.S. Marshals Service Process Receipt and Return form, issue a summons, and provide the Marshals Service with the documents needed to serve Transunion LLC.

The court explained that although federal rules generally require service within 90 days after a complaint is filed, Loor could not have served Transunion LLC before the court reviewed the complaint and issued a summons. The court therefore extended the service period to 90 days after the summons is issued. If service is not completed within that period, Loor must request an extension of time. The court also required Loor to notify the court in writing if her address changes and warned that the case could be dismissed if she fails to do so.

Ruling

Judge Nelson S. Román ordered the Clerk of Court to issue the summons, complete the service form with Transunion LLC's address, and send the required materials to the U.S. Marshals Service. The order addressed service only and did not decide the merits of Loor's claims.