This is a routine procedural dismissal of a single-plaintiff FCRA case with no financial exposure. No material impact on Experian's operations or stock. Monitor for any amended complaint, but the likelihood of a material outcome is negligible.
Price Chart
Executive Summary
A pro se FCRA lawsuit against Experian Information Solutions was dismissed without prejudice by the Eastern District of California after the magistrate judge's recommendation to dismiss was adopted. The plaintiff has 30 days to file an amended complaint. This is a routine procedural dismissal of an individual credit-reporting dispute with no material financial exposure or precedent risk for Experian.
Court Ruling Details
Key Facts
- Case 2:26-cv-00347-TLN-CSK, Eastern District of California
- Plaintiff David Ray Simmons sued Experian Information Solutions, Inc. under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.)
- Magistrate judge's findings and recommendations (ECF No. 38) adopted in full on October 19, 2026
- Defendant BMO Bank N.A.'s motion to dismiss was GRANTED
- Plaintiff's Complaint is DISMISSED without prejudice; plaintiff may file an amended complaint within 30 days
- No damages awarded, no injunction issued, no financial exposure stated in the opinion
Financial Impact
No monetary damages, penalties, or financial exposure stated in the opinion. Case is a routine individual FCRA dispute with no material dollar amount.
Risk Factors
- Plaintiff may file an amended complaint within 30 days, but the case remains a low-value individual dispute
- No material financial or operational risk to Experian from this litigation
Market Snapshot
Documents Analyzed
This report is based on 1 court opinion.
| Document | Accession Number |
|---|---|
| COURT-RULING Data (Synthetic) | court-daed0ae93f-EXPGY |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | Court Ruling | $39.85 | awaiting T+5 | — | $38.56 (−3.24%) |
Oct 22, 2026 5d ago | Court Ruling | $41.44 | awaiting T+5 | — | $38.56 (−6.95%) |
Oct 22, 2026 5d ago | Court Ruling | $41.44 | awaiting T+5 | — | $38.56 (−6.95%) |
Oct 21, 2026 6d ago | Court Ruling | $41.37 | awaiting T+5 | — | $38.56 (−6.79%) |
Oct 20, 2026 7d ago | Court Ruling | $39.88 | awaiting T+5 | — | $38.56 (−3.31%) |
Oct 20, 2026 7d ago | Court Ruling | $39.88 | awaiting T+5 | — | $38.56 (−3.31%) |
Oct 14, 2026 13d ago | Court Ruling | $37.83 $41.37 | ▲ +9.36% | ▲ +10.37% | $38.56 (+1.93%) |
Oct 2, 2026 25d ago | Court Ruling | $32.50 $35.53 | ▲ +9.32% | ▲ +8.90% | $38.56 (+18.65%) |
Sep 30, 2026 27d ago | Court Ruling | $32.19 $34.31 | ▲ +6.59% | ▲ +5.28% | $38.56 (+19.79%) |
Sep 30, 2026 27d ago | Court Ruling | $32.19 $34.31 | ▲ +6.59% | ▲ +5.28% | $38.56 (+19.79%) |
US Market Status
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