The opinion of the court was delivered by: William J. Hibbler, United States District Court
MEMORANDUM OPINION AND ORDER
Mario Molina alleges in a three-count complaint that Experian Information Solutions and Providian National Bank violated the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, by reporting false and derogatory information about the Plaintiff's credit history. Molina further alleges that Providian's knowing publication of false information about his credit history resulted in defamation under Illinois common law. Providian moves to dismiss both counts against it under Fed.R.Civ.P. 12(b)(6). For the following reasons, the Court DENIES Providian's motion to dismiss.
In his Second Amended Complaint, Molina alleges that both Experian and Providian have repeatedly published incorrect and harmful information about his credit history. Molina alleges that both Providian and Experian reported inaccurately that he made slow or late payments to a Providian account when in fact the account did not belong to him. Molina further alleges that beginning in January 2002 he repeatedly contacted Experian about the inaccurate reports and disputed the reports pursuant to Experian's procedure for disputing consumer credit information. According to Molina, he also contacted Providian regarding his dispute and that Providian "failed to conduct timely and reasonable investigations of [his] disputes after being contacted by Experian concerning his disputes." Lastly, Molina alleges that Experian never "forwarded relevant information concerning plaintiff's disputes to the entities originally furnishing the inaccurate information [Providian]." Despite his efforts, Molina claims that the Providian has continued to report the inaccurate information to credit agencies and that he has been denied credit as a result.
Regarding Molina's defamation claim, he states that the "written presentations, representations, or statements that Plaintiff had an account with Providian, and/or that Plaintiff was late and/or low with payments to Providian were false." Molina claims that "Providian's conduct was done with malice and willful intent to injure the plaintiff by the very nature that Providian had previously deleted the inaccurate account information and then proceeded to refurnish the inaccurate information to the credit reporting agencies."
Providian moves to dismiss both the FCRA and defamation claims against it, pursuant to Fed.R.Civ.P. 12(b)(6). According to Providian, Molina's FCRA claim is deficient because he does not allege that the credit reporting agency notified it of the disputed account information, as required by the statute before any duty is imposed upon it. Providian next argues that Molina fails to state a claim for defamation because the complaint does not set forth Providian's allegedly defamatory words with sufficient particularity. Providian also argues that the FCRA preempts Molina's defamation claim because he did not properly allege malice or willful intent to injure.
Motions to dismiss test the sufficiency, not the merits, of the complaint. Bonsol v. Perryman, 240 F. Supp.2d 823, 825 (N.D.Ill. 2003). In reviewing a motion to dismiss, the Court treats a plaintiff's well-pleaded facts as true and views any reasonable inferences from them in a light most favorable to the plaintiff. Albany Bank & Trust v. Exxon Mobil Corp., 310 F.3d 969, 971 (7th Cir. 2002). Accordingly, the moving party bears the burden of showing "beyond doubt that the plaintiff can prove no set of facts in support of his claim" that would entitle him to relief. Conley v. Gibson, 355 U.S. 41, 45 (1957). Furthermore, federal courts require notice, not fact, pleading. Ward v. Tranzact Payment Servs. Inc., No. 02 C 518, 2002 WL 31426660, at *2 (N.D.Ill. Oct. 28, 2002). "Although the Federal Rules of Civil Procedure do not require a plaintiff to set out in detail the facts on which he bases his claim, he must sot out sufficient factual matter to outline the elements of his cause of action or claim, proof of which is essential to his recovery." Menard Inc. v. U.S. Equities Dev., Inc., No. 01 C 7142, 2002 WL 31050160, at *1 (N.D.Ill. Sept. 13, 2002).
The FCRA imposes certain duties on entities that furnish information to credit reporting agencies. 14 U.S.C. § 1681s-2. One such duty is the duty to conduct an investigation when a plaintiff disputes the accuracy of the information furnished by the provider. 15 U.S.C. § 1681s-2(b); Dornhecker v. Ameritech Corp. 99 F. Supp.2d 918, 928 (N.D.Ill. 2000). However, this duty is triggered only after the furnisher receives notice from a consumer reporting agency that the consumer is disputing the information. 15 U.S.C. § 1681i(a)(2) & 1681s-2(b); Curtis v. Trans Union, LLC, No. 02 C 207, 2002 WL 31748838, *5 (N.D.Ill. Dec. 9, 2002); Cook v. Experian Info. Solutions, Inc., No. 02 C 3381, 2002 WL 31718624, *1 (N.D.Ill. Nov. 27, 2002).
Providian argues that Molina has pleaded himself out of court by alleging that Experian "never . . . forwarded relevant information concerning plaintiff's disputes to the entities originally furnishing the inaccurate information." (Pl. Second Am. Compl. ¶ 16). Providian's argument is without merit for it has misinterpreted Molina's complaint as well as failed to mention a more important allegation. Molina clearly alleges that Providian "failed to conduct timely and reasonable investigations of plaintiff's disputes after being contacted by Experian concerning plaintiffs disputes." (Pl. Second Am. Compl. ¶ 17) (emphasis added). Providian neglects to mention Paragraph 17 in its brief, instead insisting (inaccurately) that Molina "fail[s] to affirmatively allege" that a credit reporting agency informed it of Molina's dispute. Providian's failure to mention Paragraph 17 is telling, for Paragraph 17 pleads unequivocally that Providian was given notice of Molina's dispute by a credit reporting agency (Experian). Paragraph 16 does not, as Providian suggests, allege that Experian failed to give Providian notice of Molina's disputes. Instead, Paragraph 16 merely alleges that Experian did not fulfill its duty to provide Providian with the information necessary to resolve the dispute. The allegations of Paragraphs 16-17 thus do not stand in irreconcilable discord; it is possible for Experian to fail to forward relevant information to the Defendant while still having notified the Defendant of the existence of the dispute. Providian's motion to dismiss Molina's FCRA claim against it is without merit and is DENIED.
Under Illinois law, a plaintiff may state a claim for defamation per se (statements so harmful to reputation that damages are presumed) or for defamation per quod (statements requiring extrinsic facts to show their defamatory meaning). Rosner v. Field Enters., 564 N.E.2d 131, 143 (Ill.App. Ct. 1990). A claim for defamation per se does not fall under the special pleading regime ...