The opinion of the court was delivered by: Judge Joan H. Lefkow
Maurice J. Smith filed suit against The Law Office of John P. Frye, P.C. ("Frye"), alleging that Frye impermissibly obtained Smith's credit report in violation of the Fair Credit Reporting Act, 15 U.S.C. § 1681, et. seq. (the "FCRA"). Frye's motion for summary judgment [#9] is before this court. For the reasons set forth below, Frye's motion is granted.
Frye is a law firm that does collection work, with its principal office in Virginia. On July 24, 2008, Atlantic Credit & Finance ("Atlantic Credit") referred Smith's HSBC account number ending in 5052 to Frye for collection. Atlantic Credit is the owner of the account. On July 28, 2008, Frye requested and reviewed Smith's credit report in connection with the collection of the account. Frye also attempted to collect the account. On December 22, 2008, Frye closed the account and returned the account to Atlantic Credit.
Almost one year later, Smith sent Frye a letter inquiring as to the basis of Frye's collection attempts. Compl., Ex. A. The letter states that Smith's credit reporting agency gave Frye a copy of his credit report on July 28, 2008. Smith wrote, "I don't recall applying for credit or employment with Atlantic Credit & Finance." Smith cited 15 U.S.C. §1681n, which creates civil liability for willful noncompliance with the FCRA. Smith requested that Frye explain its permissible purpose for obtaining Smith's credit report, and if it could not do so, to arrange for the payment of $1,000.00 to Smith by November 29, 2009, pursuant to the FCRA.
Smith commenced these proceedings on May 6, 2010 in the Circuit Court of Cook County, Illinois, alleging that Frye was liable to him for damages pursuant to 18 U.S.C. § 1681n. Frye removed the case to this court on June 2, 2010. Frye filed its motion for summary judgment approximately three weeks later. Smith did not file a response, but instead moved to amend his complaint. [Dkt. #17] The court denied his motion on the grounds that the claims in his amended complaint were barred by the statute of limitations. [Dkt. #18] The court granted Smith an extension of time to file a response to the motion for summary judgment. To date, Smith has not filed a response to Frye's motion.
Summary judgment obviates the need for a trial where there is no genuine issue as to any material fact and the moving party is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(c). To determine whether any genuine issue of fact exists, the court must pierce the pleadings and assess the proof as presented in depositions, answers to interrogatories, admissions, and affidavits that are part of the record. Fed. R. Civ. P. 56(c) & advisory committee's notes. The party seeking summary judgment bears the initial burden of proving that there is no genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 323, 106 S. Ct. 2548, 91 L. Ed. 2d 265 (1986). In its response, the non-moving party cannot rest on mere pleadings alone but must use the evidentiary tools listed above to designate specific material facts showing that there is a genuine issue for trial. Id. at 324; Insolia v. Philip Morris, Inc., 216 F.3d 596, 598 (7th Cir. 2000). A material fact is one that might affect the outcome of the suit. Insolia, 216 F.3d at 598-99. Although a bare contention that an issue of fact exists is insufficient to create a factual dispute, Bellaver v. Ouanex Corp., 200 F.3d 485, 492 (7th Cir. 2000), the court must construe all facts in a light most favorable to the non-moving party and draw all reasonable inferences in that party's favor. Anderson v. Liberty Lobby, 477 U.S. 242, 255, 106 S. Ct. 2505, 91 L. Ed.2d 202 (1986).
I. Compliance with Local Rule 56.1
Before reaching the merits of Frye's motion for summary judgment, the court addresses the adequacy of Smith's response. Local Rule 56.1(a) requires the party seeking summary judgment to submit, among other things, a statement of material facts. The statement of material facts should consists of short, numbered paragraphs and specific references within each paragraph to the affidavits, parts of the record, and other admissible evidence relied on to support the facts set forth in each paragraph. L.R. 56.1(a)(3). Significant to the court's analysis here, the non-moving party must submit a concise response to the movant's statement of facts.
L.R. 56.1(b)(3)(B). "Local Rule 56.1's enforcement provision provides that when a responding party's statement fails to controvert the facts as set forth in the moving party's statement in a manner dictated by the rule, those facts shall be deemed admitted for purposes of the motion." Smith v. Lamz, 321 F.3d 680, 683 (7th Cir. 2003). Even where the non-moving party is representing himself pro se, "[a] district court is not required to 'wade through improper denials and legal argument in search of a genuinely disputed fact.'" Id. (quoting Bordelon v. Chicago Sch. Reform Bd. of Trustee, 233 F.3d 524, 529 (7th Cir. 2000)).
Smith has not submitted any of the materials required under L.R. 56.1. In accordance with L.R. 56.1(b)(3)(C), the court deems Frye's statement of material facts admitted. Included in the background section of this opinion are only those facts that have been appropriately presented, supported, and relevant to the resolution of this motion. See Smith, 321 F.3d at 682--83 (district court properly deemed moving party's statement of material facts admitted where pro se plaintiff "failed in his obligation to support controverted or additional facts with citations to admissible evidence"); see also Wilson v. Kautex, Inc., 371 F. App'x 663, 664 (7th Cir. 2010) (strictly enforcing Local Rule 56.1 was "well within the district court's discretion" even though plaintiff in Title VII case was a pro se litigant) (citing Patterson v. Ind. Newspapers, Inc., 589 F.3d 357, 359--60 (7th Cir. 2009)). Smith's ...