Zapatero v. Equifax Information Services LLC
Joseph Zapatero v. Equifax Information Services LLC, Experian Information Solutions, Inc., TransUnion LLC, Credit Acceptance Corporation, American Honda Finance Corporation
- Valerie Caproni
- 1:25-cv-05370
- U.S. District Court · Southern District of New York
- 2
In Joseph Zapatero v. Equifax, Judge Caproni dismissed the case as to Experian with prejudice after the parties reached an agreement in principle.
Joseph Zapatero and Experian Information Solutions, LLC, as to whom the case was dismissed with prejudice and without costs; the order does not state a disposition as to the other defendants.
What happened
In Joseph Zapatero v. Equifax Information Services LLC and others, Zapatero notified the court that he and Experian had reached an agreement in principle resolving all issues between them.
The court dismissed the case with prejudice and without costs, including attorneys’ fees, as to Experian only. The order directed the clerk to remove Experian from the docket. Within 30 days, the parties may ask to reopen the case by showing good cause. They may also ask the court to retain authority to enforce their agreement, but must submit the agreement and a jurisdiction request within that same period.
Judge Valerie Caproni issued the order on November 4, 2025. The order addresses only Experian and does not state a disposition as to the other defendants.
The detailed version
- Zapatero v. Equifax Information Services LLC · No. 1:25-cv-05370
- Valerie Caproni
- Nov. 4, 2025
Background
Joseph Zapatero notified the court that he and Experian Information Solutions had reached an agreement in principle resolving all issues between them. The opinion does not provide the underlying claims or the terms of the agreement.
Ruling
The court ordered that the case be dismissed with prejudice and without costs, including attorneys’ fees, as to Experian Information Solutions only. “With prejudice” means that this dismissal bars refiling the dismissed matter against that defendant. The clerk was directed to terminate Experian from the docket.
Possible Reopening or Enforcement
The parties may apply to reopen the case within 30 days of the order. Any application must show good cause for keeping the case open despite the settlement, and a late application or one lacking a showing of good cause may be denied on that basis alone.
If the parties want the court to retain jurisdiction—legal authority—to enforce their settlement agreement, they must, within the same 30-day period, submit the agreement under Rule 6.A of the court’s Individual Practices and request an order expressly retaining that jurisdiction. The order does not state a disposition as to the other defendants.
Read the full 2-page opinion on CourtListener, the free public archive maintained by the Free Law Project.