Papa G. Vitalia filed a complaint against several defendants, including Early Warning Services, LLC (EWS), under the Fair Credit Reporting Act (FCRA). Vitalia alleged that EWS reported inaccurate information on his credit report, after once previously deleting that information, which resulted in him being denied credit from several banks.
EWS filed a motion to dismiss the complaint, arguing that Vitalia did not provide enough factual details to support his claims. Specifically, EWS contended that:
