Larry Rumbough v. Experian Information Solutions, Inc., 11th Cir. (2015)

Case: 14-10534
Date Filed: 09/03/2015
Page: 1 of 7
[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS
FOR THE ELEVENTH CIRCUIT
________________________
No. 14-10534
Non-Argument Calendar
________________________
D.C. Docket No. 6:12-cv-00811-ACC-DAB
LARRY RUMBOUGH,
Plaintiff - Appellant,
versus
EXPERIAN INFORMATION SOLUTIONS, INC.,
LEXISNEXIS RISK DATA RETRIEVAL SERVICES, LLC,
Defendants - Appellees.
________________________
Appeals from the United States District Court
for the Middle District of Florida
________________________
(September 3, 2015)
Before TJOFLAT, WILSON and BLACK, Circuit Judges.

PER CURIAM:
Case: 14-10534
Page: 2 of 7
Larry Rumbough, proceeding pro se, appeals the district courts grant of
summary judgment in favor of Experian Information Solutions, Inc. (Experian) and
LexisNexis Risk Data Retrieval Services, LLC (LexisNexis) on his claims arising
under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681, et seq. Rumbough
contends (1) the district court erred by concluding most of his claims against
Experian were barred by the doctrine of res judicata; (2) the district court erred by
granting summary judgment to Experian on his claim that Experian violated 15
U.S.C. 1681b by providing his consumer report to certain entities for
impermissible purposes; (3) the district court incorrectly concluded Rumbough
failed to present sufficient evidence to show that any alleged FCRA violation
caused his purported damages; and (4) the district court erred by granting summary
judgment to LexisNexis on his claim that LexisNexis violated 15 U.S.C. 1681s-2
by failing to furnish and verify accurate information for his credit report.
The parties are familiar with the facts, so we will not recount them. After
careful consideration, we affirm.
1. Res Judicata
The district court correctly determined that, with the exception of
Rumboughs impermissible purposes claim, Rumboughs claims were barred by
res judicata. Under the doctrine of res judicata, a claim is barred by prior
litigation if: (1) there is a final judgment on the merits; (2) the decision was
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rendered by a court of competent jurisdiction; (3) the parties, or those in privity

with them, are identical in both suits; and (4) the same cause of action is involved
in both cases. See Ragsdale v. Rubbermaid, Inc., 193 F.3d 1235, 1238 (11th Cir.
1999).
Rumbough does not dispute that the first three prongs of the res judicata test
are satisfiedin 2007, he filed an action (Rumbough I) 1 that (1) was adjudicated
on the merits (2) by a court of competent jurisdiction and (3) both he and Experian
were named parties. Rather, Rumbough asserts the claims he raised in Rumbough I
were distinct from the claims he raises in this action. We disagree. The
complaints in both actions allege identical claims against Experian. Moreover, a
review of the relevant documents from Rumbough I shows both actions were based
upon the same nucleus of operative fact, i.e., Experians inaccurate reporting of a
federal tax liens location in the Orange County Circuit Court, as opposed to the
Orange County Comptrollers office, and the denial of Rumboughs mortgage loan
application purportedly as a result of the inaccurate reporting. See id. at 1238-39
([I]f a case arises out of the same nucleus of operative fact, or is based upon the
same factual predicate, as a former action, . . . the two cases are really the same
claim or cause of action for purposes of res judicata. (quotation omitted)).
Rumbough v. Equifax Information Services, LLC, et al., Case No. 6:07-cv-1136-Orl-
18GJK.
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Accordingly, the district court did not err in concluding Rumboughs claims, with
the exception of his impermissible purposes claim, were barred by res judicata.
2. Impermissible Purposes
With respect to Rumboughs newly-added impermissible purposes claim (to
which the district court did not apply res judicata) the district court nonetheless
properly granted summary judgment to Experian. The FCRA describes certain
permissible purposes for furnishing consumer reports, including to a person who
has a legitimate business need for the information(i) in connection with a
business transaction that is initiated by the consumer; or (ii) to review an account
to determine whether the consumer continues to meet the terms of the account.
15 U.S.C. 1681b(a)(3)(F). Furnishing a consumer report to a person who intends
to use the information for the extension of credit or the collection of an
account is also permissible. Id. 1681b(a)(3)(A).
Rumbough claims Experian violated 1681b by furnishing his credit report
to four entities without a permissible purpose: Bank of America, Chase, Oliphant
Financial Corp., and Phillips & Cohen. Rumbough has presented no evidence,
however, that Experian issued Rumboughs report for any purpose not permitted
by 1681b. To the contrary, Rumbough testified he received letters from Oliphant
Financial Corp. and Phillips & Cohen regarding debt collection, which is a
permissible use for consumer reports. See 15 U.S.C. 1681b(a)(3)(A).
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Rumbough also testified he had credit cards and bank accounts with both Chase
and Bank of America. Because Rumbough was a current account holder, these
entities were permitted to use his report to ensure that he continue[d] to meet the
terms of [his] account. See 15 U.S.C. 1681b(a)(3)(F). Rumboughs conclusory
allegations that Experian furnished his report for an impermissible purpose are
insufficient to create a material issue of fact. See Celotex Corp. v. Catrett, 477
U.S. 317, 323-24 ([T]he nonmoving party [must] go beyond the pleadings and . . .
designate specific facts showing that there is a genuine issue for trial.); Ellis v.
England, 432 F.3d 1321, 1325-26 (11th Cir. 2005) ([M]ere conclusions and
unsupported factual allegations are legally insufficient to defeat a summary
judgment motion.). The district court therefore correctly granted summary
judgment to Experian on Rumboughs impermissible purposes claim.
3. Damages
Additionally, the district court correctly granted summary judgment to
Experian because Rumbough cannot show any alleged FCRA violations caused his
purported damages. See Cahlin v. Gen. Motors Acceptance Corp., 936 F.2d 1151,
1161 (11th Cir. 1991) (explaining, in an FCRA case, the plaintiff has an
affirmative duty to com[e] forward with evidence supporting his claim that
[the] alleged inaccurate report caused him harm.). Rumbough presented no
evidence that Experians allegedly inaccurate reporting of the location of the
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federal tax lien caused Rumboughs mortgage denial. Rather, the handwritten note
on the mortgage application indicated the denial was based on the fact the lien was
unpaid, not where the lien was located. See id. Furthermore, there is no evidence
Experian acted with the intent necessary to award statutory damages, which are
available only for willfully fail[ing] to comply with FCRA. See 15 U.S.C.
1681n. The district court correctly granted summary judgment to Experian on
Rumboughs damages claims.
4. LexisNexis
The district court likewise correctly granted summary judgment to
LexisNexis. Rumbough claims LexisNexis violated 15 U.S.C. 1681s-2 by
knowingly misreporting the filing location of the federal tax lien. See 15 U.S.C.
1681s-2(a)(1)(A) (A person shall not furnish any information relating to a
consumer to any consumer reporting agency if the person knows or has reasonable
cause to believe that the information is inaccurate.). As discussed above,
however, Rumbough presented no evidence that the inaccuracy of the location of
the lien on his consumer report caused the denial of his mortgage application.
Rather, the evidence showed his mortgage application was denied because the
federal tax lien existed, not because notice of the lien was filed in a particular
location. Accordingly, the district court properly granted summary judgment in
favor of LexisNexis. See Nagle v. Experian Info. Solutions, Inc., 297 F.3d 1305,
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1307 (11th Cir. 2002) ([T]he failure to produce evidence of damage resulting
from a FCRA violation mandates summary judgment.); Cahlin, 936 F.2d at 1161
(affirming summary judgment against plaintiffs FCRA claim because plaintiff
failed to establish the inaccurate information on th[e] report was the cause of
[plaintiffs] denial of credit).
*
For the foregoing reasons, the district courts judgments in favor of

LexisNexis and Experian are AFFIRMED.

Larry Rumbough v. Experian Information Solutions, Inc., 11th Cir. (2015)

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Case: 14-10534

Date Filed: 09/03/2015

[DO NOT PUBLISH]

Before TJOFLAT, WILSON and BLACK, Circuit Judges.

Date Filed: 09/03/2015

Date Filed: 09/03/2015

rendered by a court of competent jurisdiction; (3) the parties, or those in privity

Rumbough v. Equifax Information Services, LLC, et al., Case No. 6:07-cv-1136-Orl-

Date Filed: 09/03/2015

Date Filed: 09/03/2015

Date Filed: 09/03/2015

Date Filed: 09/03/2015

For the foregoing reasons, the district courts judgments in favor of

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