T I
T UNITED STATES DISTRICT couar TTS? TTT
T ———---~-----.- - ....—... I2 '§IZF3lQT9E QQNNEQTICUT ·r
T JOHN *’· °H’°“'°“"’°‘N· ZUII} rim T8 A
T — against- Case N0. 03 CV TT TT;.
T INFORMATION SERVICES, INC. T
I ANHATTAN BANK USA, N.A., I
T ....................... Q sis!·9sr·!s- ..S.._____
T T
MEMORANDUM OF LAW REGARDING PLAINTlFF’S MOTION TO COMPEL TT
DISCLOSURE OF JOHN SOLBERG’S CREDIT INFORMATION
Defendant, Chase Manhattan Bank, USA, N.A. ("Chase") respectfully submits
this Memorandum of Law regarding piaintiff’s motion for an Order compelling Chase to T
produce documents related to John Solberg’s (Solberg) credit.
Preliminary Statement T
Plaintiff seeks to compel Chase to produce "certain credit materiaI" regarding T
Solberg. Solberg is not a party to this action. He has not consented to the production of
the materials. J
Pursuant to Connecticut Banking Law and the Fair Credit Reporting Act (FCRA),
Chase may not produce the materials without a Court order specifying which documents T
and information must be produced. Moreover, Solberg must be permitted ten days to
challenge the order before Chase produces the docu ments.
T
.QT
T
T
{ · - Case 3:03-cv-00316-JCH Document 61 Filed 11/18/2003 Page 2 of 4
ARGUMENT
i CHASE WITHHELD SOLBERG’S CREDIT
| INFORMATION TO COMPLY WITH CONNECTICUT
LAW AND THE FAIR CREDIT REPORTING ACT
{ A financial institution may not disclose a customer’s financial records except in
response to "a lawful subpoena, summons, warrant or court order . . .." C.G.S.A. § 36a—
' 42.1 Financial records include a customer’s account records showing transactional
i history and credit information. C.G.S.A. § 36a-41(2); 15 U.S.C. § 6801 et seq., 16
C.F.R. § 313, and C.G.S.A. § 36a-42.
l B l tt Moreover, if this court issues the ord_er requested by plaintiff, Chase must wait
i ten days after plaintiff serves the orderon Solberg before Chase may disclose Soiberg’s
l i B records..lC.G.S.A. § 36a-43; g generally Morgan 592 A.2d 925., 21.9- Conn'.
204 (1991) (customer has ten days to challenge Ofdief before the financial institution =
may disclose records). Violation of this statute is a crime. C.G.S.A. § 36a-45. ~
Thus, Chase refused to provide documents containing information related to I
Solberg until ordered to do so by the court. E
Plaintiff states that Chase did not disclose Solberg's information because it
believes "itself to be a credit reporting agency." This is incorrect. i
Plaintiff made his credit the central issue of this lawsuit. He then threatened to N
sue Chase and Experian pursuant to the FCRA if Experian provided Chase with
plaintiffs credit information without one of the permissible purposes set forth in the
FCRA . This forced Chase to obtain the court order compelling Experian to disclose
‘ Chase is a financial institution. 15 U.S.C. § 6809(3), 12 U.S.C. § 1843(k), 16 C.F.R. §
313.3(k)(1), and C.G.S.A. § 36a—41(1). t
‘ · Case 3:03-cv-00316-JCH Document 61 Filed 11/18/2003 Page 3 of 4
I plaintiffs credit information to Chase.
I To avoid a lawsuit from Solberg on similar grounds, Chase refused to provide
I information related to Solberg's credit until ordered to do so. lf Chase disclosed
I Solberg’s information to plaintiff without a court order, Solberg could sue Chase for 2
I violating the FCRA. gg 16 CFR 313, Final Rule Promulgated By Federal Trade I
I Commission 65 FR 33646 at n.1 (bank’s sharing of consumer’s account history with a
' l
I third party may be "prohibited by the FCRA, because the [bank] likely would become a
I consumer reporting agency subject to its restrictions on reporting information to third
parties).
I I coucwslou I A r
- For the foregoing reasons, Chase respectfully requests that if the court issues·an j_ A
l order compelling Chase to produce documents related to Qlohn Solberg, that the order I "
specify exactlywhich documents must be produced. A IA A . y
Dated: East Meadow, New York
November 17, 2003
- Simmons, Jannace & Stag L.L.P.
s . _, r i
Thomas . Sta I
(Juris No. Ct 23429) I
Attorneys for Defendant i
Chase Manhattan Bank, USA, N.A. ‘
Office & P.O. Address: I
90 Merrick Avenue, Suite 102 _
East Meadow, New York 11554
(516) 357-8100
3
i · · Case 3:03-cv-00316-JCH Document 61 Filed 11/18/2003 Page 4 of 4
i CERTIFICATE OF SERVICE
i JOHN J. CHAPMAN
I v.
, EXPERIAN INFORMATION SERVICES, INC., et al.
` U.S.D.C., District of Connecticut
V Case No. 3:03 CV 316 (JCH)
[ This is to certify that a copy of the foregoing MEMORANDUM OF LAW
5 REGARDING PLAlNTIFF’S MOTION TO COMPEL DISCLOSURE OF JOHN SOLBERG’S '
i CREDIT INFORMATION was mailed, via Federal Express, for delivery on Tuesday, \
l November 18, 2003 by 12:00 p.m., prior to the latest time designated by that service for
/ such delivery, on this 17*** day of November, 2003, to: E
, Joanne S. Faulkner, Esq. Sevan Ogulluk, Esq.
‘ Attorney(s) for Plaintiff . - · . Jones Day ‘ _ . A A ‘ j
Office &`P.O. Address: ’ * · Attorney(s) for Defendant »- -
123 Avon Street = -’ - . ·..·» e. · Experian information Services, Inc. -
New Haven, Connecticut:06511 Office & P.O. Address: l._. x it
(203) 772-0395 · : _ · . . .' -. 222 East 41st Street . . _.-: - .
- . · . . . New York, New York 10017 . - I
(212) 326-3977 . __ . |
BY; / A -_,,..
ANDREW KA ’
Simmons, Ja 4 tagg, L.L.P.
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