Tag: Spokeo

4th Cir.: Trapp v. SunTrust Bank – Spokeo and ECOA


SunTrust denied the application for credit to purchase a boat made by the Trapps due to issues with Mr. Trapp’s Social Security number being linked to a deceased person. The Trapps brought suit under the Equal Credit Opportunity Act (ECOA), 15 U.S.C.A. §§ 1691 to 1691f.

While a party may have an actionable claim if he “ suffers a concrete informational injury where he is denied access to information required to be disclosed by statute, and he suffers, by being denied access to that information, the type of harm Congress sought to prevent by requiring disclosure” Dreher v. Experian Info. Read More

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