Edwards

IN THE UNITED STATES DISTRICT COURT

FOR THE WESTERN DISTRICT OF TENNESSEE

WESTERN DIVISION

THOMAS EDWARDS, )

)

Plaintiff, )

) No. 2:25-cv-02332-TLP-tmp

v. )

) JURY DEMAND

FINWISE BANK and OPPLOANS, )

)

Defendants. )

ORDER ADOPTING REPORT AND RECOMMENDATION

Pro se Plaintiff Thomas Edwards sued Defendants FinWise Bank and OppLoans on

March 24, 2025, alleging Fair Credit Reporting Act (“FCRA”) violations.1 (ECF No. 2.) See 15

U.S.C. §§ 1681 et seq. Under Administrative Order No. 2013-05, this Court referred the case to

Chief Magistrate Judge Tu M. Pham to manage all pretrial matters. Plaintiff then moved to

proceed in forma pauperis. (ECF No. 3.) And Judge Pham granted the Motion. (ECF No. 7.)

Judge Pham then screened the Complaint under 28 U.S.C. § 1915(e)(2). (ECF No. 8.) Judge

Pham issued his Report and Recommendation (“R&R”) in June 2025, recommending that the

Court dismiss the Complaint in part and grant Plaintiff leave to amend. (Id.) For the reasons

below, the Court agrees with Judge Pham’s analysis and conclusion and therefore ADOPTS the

R&R.

1 That same day, Plaintiff sued four other defendants under the FRCA. See Edwards v. National

Credit Adjusters, LLC (NCA), No. 2:25-cv-02326-TLP-tmp (W.D. Tenn.); Edwards v. Opensky

Capital Bank NA, No. 2:25-cv-02328-TLP-tmp (W.D. Tenn.); Edwards v. TransUnion, LLC,

2:25-cv-02334-TLP-tmp (W.D. Tenn.); Edwards v. First Premier Bank, No. 2:25-cv-02336-

TLP-tmp (W.D. Tenn.).

LEGAL STANDARD

A magistrate judge may submit to a district court judge proposed findings of fact and

recommendations for deciding pretrial matters. 28 U.S.C. § 636(b)(1)(A)–(B). And “[w]ithin 14

days after being served with a copy of the recommended disposition, a party may serve and file

specific written objections to the proposed findings and recommendations.” Fed. R. Civ. P.

72(b)(2); see also 28 U.S.C. § 636(b)(1). If the parties do not object, the district court reviews

the R&R for clear error. Fed. R. Civ. P. 72(b), advisory committee notes. And the district court

“may accept, reject, or modify, in whole or in part, the findings or recommendations made by the

magistrate judge.” 28 U.S.C. § 636(b)(1)(C).

Judge Pham entered his R&R on June 18, 2025. (ECF No. 8.) Plaintiff did not object,

and the time to do so has now passed. The Court therefore reviews the R&R for clear error.

DISPOSITION

Having reviewed the record, the Court finds no clear error in Judge Pham’s R&R. In

fact, the Court agrees with his well-reasoned analysis.

Plaintiff brought one cause of action under FCRA. (ECF No. 2 at PageID 11.) But Judge

Pham construed his Complaint as bringing two FCRA claims. (ECF No. 8 at PageID 37.) Start

with the first. Plaintiff alleges that Defendants violated 15 U.S.C. § 1681s-2(a) by reporting

false and misleading information about Plaintiff’s debt, which “caused harm to Plaintiff’s

creditworthiness.” (ECF No. 2 at PageID 11.) Judge Pham correctly recommended that the

Court dismiss this claim. That is because consumers may not bring a claim under that statute.

In fact, “§ 1681s–2(c) expressly precludes consumers from enforcing the requirement that

furnishers, under § 1681s–2(a), initially provide complete and accurate consumer information to

a CRA.” Boggio v. USAA Fed. Sav. Bank, 696 F.3d 611, 615 (6th Cir. 2012); see Carter v.

Holzman L., PLLC, No. 24-11990, 2025 WL 1065379, at *4 (E.D. Mich. Feb. 13, 2025), report

and recommendation adopted, 2025 WL 868615 (E.D. Mich. Mar. 20, 2025) (“The law is clear

that there is no private cause of action for consumers against furnishers of information for failure

to comply with § 1681-s2(a).” (citing Boggio, 696 F.3d at 615)).

Plaintiff’s second claim—as construed by Judge Pham—is that Defendants violated 15

U.S.C. § 1681s-2(b). (ECF No. 8 at PageID 39.) That is because in his “factual allegations,”

Plaintiff states that he reported the alleged inaccuracies with credit bureaus, but Defendants

“failed to properly investigate and correct inaccuracies, violating 15 U.S.C. § 1681s-2(b).” (ECF

No. 2 at PageID 11.) In other words, Plaintiff did not list § 1681s-2(b) in his causes of actions

but pleaded as much elsewhere in his Complaint. And unlike § 1681s-2(a), § 1681s-2(b) creates

a private cause of action. See Brown v. Wal-Mart Stores, Inc., 507 F. App’x 543, 547 (6th Cir.

2012) (citing Boggio, 696 F.3d at 615–16).

As Judge Pham correctly noted, to state a claim under § 1681s-2(b), a complaint must

plausibly allege that the plaintiff disputed an inaccuracy with a consumer reporting agency, that

the agency notified the defendant-furnisher of that dispute, and that the defendant-furnisher then

violated a statutory duty under § 1681s-2(b)(1)(A)–(E). See, e.g., Rajapakse v. Credit

Acceptance Corp., No. 19-1192, 2021 WL 3059755, at *2 (6th Cir. Mar. 5, 2021). But Judge

Pham found that Plaintiff fails to allege a critical element here. That is, he does not allege that

any consumer agency notified Defendants about his claim of an inaccuracy. (ECF No. 8 at

PageID 40 (“‘Absent this essential element,’ the undersigned finds that Edwards’s complaint

fails to state a claim under § 1681s-2(b).” (quoting Green v. Navy Fed. Credit Union, No. 3:24-

cv-632, 2024 WL 4564421, at *2 (N.D. Ohio Oct. 24, 2024)). But because he “otherwise alleges

several elements of a § 1681s-2(b) claim,” Judge Pham recommended that the Court give

Plaintiff a second chance. (Id.) The Court agrees, and Plaintiff may amend his § 1681s-2(b)

claim. Having found no clear error, the Court therefore ADOPTS the R&R’s recommendations.

CONCLUSION

The Court has reviewed Judge Pham’s R&R and finds no clear error. And so the Court

ADOPTS the R&R’s recommendation and DISMISSES Plaintiff’s § 1681s-2(a) claim. The

Court further DIRECTS Plaintiff to amend his § 1681s-2(b) claim within thirty days from entry

of this Order. If Plaintiff fails to amend his complaint timely, the Court may dismiss the claim

under Rule 41 for failure to prosecute.

SO ORDERED, this 15th day of December, 2025.

s/Thomas L. Parker

THOMAS L. PARKER

UNITED STATES DISTRICT JUDGE