Owoyemi v. Credit Corp Solutions Inc.

Background

Nicholas A. Owoyemi’s amended complaint alleged that Credit Corp Solutions Inc., doing business as Tasman Credit, violated the Fair Credit Reporting Act, specifically 15 U.S.C. § 1681s-2(b). The defendant moved for summary judgment, which asks the court to resolve a claim when the record shows no genuine dispute requiring a trial.

On May 31, 2023, Magistrate Judge Lehrburger issued a report and recommendation advising that the motion be granted. The recommendation stated that Owoyemi had not established that Credit Corp Solutions received notice from a credit reporting agency before he started the lawsuit. It also identified additional defects in the claim, including the lack of evidence that Credit Corp Solutions reported inaccurate information or that Owoyemi suffered damages.

Court’s Review

The court explained that parties may file specific written objections to a magistrate judge’s report and recommendation within fourteen days. When no timely objection is filed, the district court reviews the recommendation for clear error. No objection was submitted within the fourteen-day period, and the court found no clear error after reviewing the recommendation.

Ruling

Judge Gregory H. Woods accepted and adopted the report and recommendation in its entirety. The court granted Credit Corp Solutions’ motion for summary judgment, directed the Clerk of Court to terminate the pending motion, enter judgment for the defendant, and close the case.