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IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA GARNET MUSE, v. TRANS UNION LLC, : : : : : CIVIL ACTION

NO. 07-3277

MEMORANDUM AND ORDER Ditter, J. January 22, 2009

This case comes before me as a result of the defendant's credit reports about the plaintiff. The plaintiff contends that the reports were inaccurate, that her efforts to have them corrected were unavailing, and that as a result, she suffered financially and emotionally. The sole issue about the reports in question arise out of charges and credits to a gas credit card that was serviced by Citibank for BP/Amoco and Citibank's statements to the defendant about the status of the plaintiff's account. A non-jury trial commenced on December 16, 2008. After the plaintiff's presentation of her case at trial, the defendant made an oral motion for judgment on partial findings pursuant to Federal Rule of Civil Procedure 52(c). Specifically, the defendant argued that the plaintiff failed to prove any inaccuracies on her credit report or show that she was entitled to any damages. Having carefully considered all of the evidence, I make the following: FINDINGS OF FACT 1. Trans Union is a "consumer reporting agency" as defined by the Fair Credit Reporting Act, 15 U.S.C.

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