Lema v. Citibank (South Dakota), N.A.
United States District Court for the District of Maryland
935 F. Supp. 695 (1996)
- Written by Miller Jozwiak, JD
Facts
Nkiambi Lema (plaintiff) obtained a credit card from Citibank (South Dakota), N.A. (bank) (defendant) and ran up a significant amount of debt. Eventually, Lema’s account became delinquent. Lema reached an agreement with the bank to settle his account by paying off 70 percent of the delinquent balance. Lema successfully paid off that amount a few months later. But a few months after that, Lema began receiving collections notices stating that he still owed money on the account. Thereafter, the bank gave Lema the worst possible rating on his account. After receiving that rating, Lema could not obtain consumer credit. Lema informed the bank of this discrepancy. But the bank stated that Lema owed more money on the account and did not change his rating. In response to the bank’s actions, Lema sued the bank for violating the Fair Credit Reporting Act (FCRA). The bank moved for summary judgment, claiming that it was not subject to the FCRA.
Rule of Law
Issue
Holding and Reasoning (Kaufman, J.)
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