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Prior to the Court is Defendants Dollar Loan Center, LLC (“Dollar Loan”) and Clark County Collection provider, LLC’s (“Clark County Collections”) (collectively “Defendants”) movement to Dismiss, Or, Alternatively, For Summary Judgment (#12), filed 2, 2010 july. The Court has additionally considered Frederick that is plaintiff Karony (“Karony”) Opposition (#13), filed July 15, 2010, and Defendants’ Reply (#14), filed July 26, 2010.
This dispute arises away from Karony’s declare that Defendants involved in different financial obligation credit and collection reporting activities in breach of both federal and state legislation. Karony alleges the after facts in help of their claims. In April 2007, Karony’s wife, Michelle Karony (a non-party), entered as a note that is promissorythe “Debt”) with Dollar Loan. Here is the debt at problem in this instance. In July 2008, after Karony’s wife defaulted from the financial obligation, Dollar Loan hired Clark County Collections for collections solutions, including reporting your debt against Karony’s credit rating to the three credit reporting agencies вЂ” TransUnion, Experian, and Equifax. Later on that Karony disputed the debt with all three credit bureaus year. By 2009, both TransUnion and Experian removed the Debt from Karony’s credit report april. As well as their reporting tasks, in July 2008, Clark County Collections additionally filed a lawsuit within the Justice Court associated with the Las vegas, nevada Township (the “Underlying Lawsuit”), naming both Karony and their spouse as defendants. Karony challenged this lawsuit regarding the basis he had not been actually responsible for your debt because he previously perhaps not finalized the promissory note. In 2009, the Justice Court dismissed Karony from that lawsuit august. Despite Karony’s duplicated needs along with his dismissal through the lawsuit that is underlying Clark County Collections will continue to confirm your debt to Equifax, leading to a fall in Karony’s credit rating.
May 27, 2010, Karony commenced this step asserting seven factors behind action, including: (1) violations regarding the Federal Fair Debt Collection methods Act (“FDCPA”), 15 U.S.C. В§ 1692, et seq.; (2) violations for the Federal Fair credit scoring Act (“FCRA”), 15 U.S.C. В§ 1681, et seq.; (3) defamation; (4) expert negligence; (5) deliberate infliction of emotional stress; (6) punishment of process; and (7) negligence per se. On 2, Defendants filed this motion requesting the Court to dismiss http://cashlandloans.net/payday-loans-mn most of Karony’s claims july. For the good reasons talked about below, the Court grants the motion to some extent and denies it to some extent.