The opinion of the court was delivered by: Honorable David H. Coar
MEMORANDUM OPINION AND ORDER
Plaintiff Nancy R. Murray ("Murray") brought this action under the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 et seq. Plaintiff and her husband filed for personal bankruptcy in 2002. Shortly thereafter, they began to receive large quantities of mail purporting to contain credit offers from lenders who focus on borrowers with less-than-optimal credit. One of the mailings she received was a flyer from defendants Sunrise Chevrolet, Inc. ("Sunrise") and Triad Financial Corporation, d/b/a Roadloans ("Triad"). Triad and Sunrise had obtained mailing information for 14,000 Illinois consumers whose credit scores were within a certain range and who had recently filed for bankruptcy or had a car repossessed. The flyer, sent to 14,000 Illinois residents, including Murray, stated that Murray had been pre-approved for an automobile loan of up to $19,500 and that information contained in her credit bureau report had been obtained from a consumer reporting agency for the purpose of selecting her for the offer. At the bottom of the flyer, in much smaller type in a different font, a disclosure indicated that information from Murray's credit report had been used in selecting her for the offer. The last sentence of the disclosure provided information about how consumers can exercise their privacy rights and opt out of receiving future offers. Murray alleges that the flyer violates FCRA because it does not represent a "firm offer of credit," 15 U.S.C. § 1681b(c)(1)(B)(i), and because the opt out provisions were not displayed in the required "clear and conspicuous" manner, 15 U.S.C. § 1681m(d)(1)(D). Now pending before this Court is Murray's motion to certify a plaintiff class pursuant to Rule 23 of the Federal Rules of Civil Procedure, which is fully briefed and ripe for decision. Plaintiff defines the class as "all persons with Illinois addresses to whom defendants sent [the flyer] on or after Nov[ember] 24, 2002 and before Dec[ember] 14, 2004." (Pl.'s Mtn. for Class Cert.)
Under Rule 23(a), a proposed class must satisfy four conditions before a court will grant certification: 1) numerosity; 2) commonality; 3) typicality; and 4) adequacy of representation. Fed. R. Civ. P. 23(a). Defendants contend that Murray cannot establish that she is an adequate class representative or that the class meets the commonality and typicality requirements. In addition to Rule 23(a), a putative class plaintiff must also satisfy at least one of the conditions in Rule 23(b). Murray contends that a class action will be superior to other available methods of resolving the controversy in this case, under Rule 23(b)(3). Defendants, predictably, disagree, arguing that individual issues predominate over common questions of law and fact and that individual litigation is a more fair and efficient method of adjudicating the dispute.
Rule 23(a)(1) requires that the class be "so numerous that joinder of all members is impracticable." Although there is no "magic number" of class members for numerosity purposes, case law indicates that when a class numbers at least 40, joinder will be considered impracticable. Swanson v. Am. Consumer Industries, 415 F.2d 1326, 1333 (7th Cir. 1969). The proposed class would consist of every Illinois consumer who received a flyer from the defendants. The parties agree that 14,000 flyers were mailed to Illinois residents. Numerosity is clearly satisfied.
Under Rule 23(a)(2), there must be a question of law or fact common to the class. In addition, Rule 23(b)(3) requires that the common questions of law or fact predominate over questions pertaining to individual class members. Commonality generally exists when the defendant has engaged in "standardized conduct" towards the members of the proposed class. Smith v. Nike Retail Servs., Inc., ___ F.R.D. ___, 2006 WL 715788, at *4 (N.D. Ill. Mar. 22, 2006). Defendant Triad challenges commonality, contending that some of the consumers who received the flyer were interested in the offer and called the phone number provided on the flyer to obtain their final pre-approved credit amount. In the alternative, Triad notes that some consumers, like Murray, were uninterested in the offer but, unlike Murray, promptly called the toll-free opt-out number provided in the disclaimer section. Murray testified at her deposition that she had no interest in the flyer's offer and did not call to learn her final pre-approval amount. But she did not call the opt-out number until several months later, when her attorney instructed her to do so. Murray counters that the "common nucleus of operative fact" in the class is that the defendants obtained consumer report information without permission for the purpose of sending the flyer to Murray and the members of the proposed class. Plaintiff identifies the dispositive issues as: 1) whether the "firm offer of credit" was meaningful; and 2) whether the disclosure of the consumer's privacy rights was "clear and conspicuous." To determine whether the flyer represents a "firm offer of credit" requires an analysis of whether it makes a "meaningful offer" and whether the consumer's privacy rights were properly disclosed. Murray contends these are classwide questions as is the willfulness of any violation by the defendants. According to Murray, the only individual issue is the identity of the consumers to whom defendants sent the flyers. But this information, as Murray notes, should be readily ascertainable. This Court finds that Murray has made a sufficient showing that the class members share at least one common question, despite their individual reactions to the flyer: whether the defendants accessed their credit information without their permission for the purpose of sending them the FCRA-violating flyer. That being so, Murray has satisfied commonality.
A plaintiff's claim is typical of a proposed class if "it arises from the same event or practice or course of conduct that gives rise to the claims of other class members and [is] based on the same legal theory." De La Fuente v. Stokely-Van Camp, Inc., 713 F.2d 225, 232 (7th Cit. 1983). Further, "factual distinctions between the claims of the named class members and those of other class members" do not necessarily defeat a finding of typicality. Id. at 233. The issue instead turns on whether the plaintiff's claims "have the same essential characteristics" as those of the proposed class members. Retired Chicago Police Ass'n v. City of Chicago, 7 F.3d 584, 599 (7th Cir. 1993). Triad raises the same arguments it raised to commonality. Murray contends that each class member has been subject to the same practice as the named plaintiff. As with commonality, Murray has made a sufficient showing that her claims are typical of those of the other class members. This Court finds Murray has met the typicality requirement.
D. Adequacy of Representation
Rule 23(a)(4) requires that the named plaintiff "fairly and adequately protect the interests of the class." The plaintiff must not have claims antagonistic to or in conflict with those of other class members and must have sufficient interest in the case's outcome to be a vigorous advocate. Defendants contend that Murray cannot meet the adequacy prong because of her role as named class representative in at least seven pending actions alleging identical claims against other defendants. According to defendants, Murray--on her own and because of her relationship with family members who have filed FCRA claims against yet more defendants--will experience "inevitable conflicts of interest" between the classes she seeks to represent. On this very point, the Seventh Circuit recently weighed in. After noting that although "[a] person who seeks out opportunities to sue could do so in ways that injure other class members," the appellate court stated that "[n]othing about the frequency of Murray's litigation implies that she is less suited to represent others than is a person who received and sued on but a single offer." Murray v. GMAC Mortgage, 434 F.3d 948, 954 (7th Cir. 2006). "Repeat litigants may be better able to monitor the conduct of counsel, who as a practical matter are the class's real champions." Id. The fact that Murray has sued multiple defendants for committing the same alleged statutory violation "does not injure any other potential borrower." Id. Murray is not receiving financial compensation for serving as a class plaintiff. She seeks statutory money damages, as will the class members, for her claims. Murray has established that she will serve as an adequate class representative.
The second consideration in determining adequacy of representation is whether plaintiff's counsel is qualified, experienced, and able to conduct the proposed litigation. Rosario v. Livaditis, 963 F.2d 1013, 1018 (7th Cir. 1992). Plaintiff's counsel has appeared before multiple courts in this Circuit and has an extensive practice, focused on consumer protection issues. Counsel has litigated numerous FCRA cases, including Cole v. U.S. Capital, Inc., ...