Full opinion text
MEMORANDUM TODD J. CAMPBELL, District Judge. Pending before the Court are the parties’ renewed cross-motions for summary judgment (Docket Nos. 329 and 349) to which responses and replies have been filed. Defendants seek oral argument on their summary judgment motion. (Docket No. 347). Also pending before the Court are a number of motions filed by Defendants related to the admissibility of certain evidence submitted by Plaintiff in support of her pending motion for summary judgment: Renewed Motion to Strike and/or Exclude Third Party Checkwriter Affidavits (Docket No. 342); Renewed Motion to Strike and/or Exclude Documents from the Houston Better Business Bureau (Docket No. 343); Renewed Motion to Strike and/or Exclude Plaintiffs Supplemental Affidavit and Second Supplemental Affidavit (Docket No. 344); Renewed Motion to Strike and/or Exclude the Affidavit of Julia Trotman (Docket No. 345); and Renewed Motion to Strike and/or Exclude Expert’s Supplemental Report (Docket No. 346). Plaintiff opposes these motions. J. Introduction This case centers around six checks written by Plaintiff Patricia Holmes and presented by her as payment to four merchants during the period of August 2003 to June 2005. Five of the checks were declined by the merchants at the point of sale upon the recommendation of Tele-Check. With regard to the other check, TeleCheck initially issued a code requiring the merchant to whom Holmes had presented the check to contact TeleCheck to provide additional information regarding the transaction. The merchant ultimately accepted the check. As a result of TeleCheck’s issuance of those recommendations and as a result of TeleCheck’s subsequent conduct as Holmes sought additional information from TeleCheck, Holmes brings this action against Defendants TeleCheck International, Inc. and TeleCheck Services, Inc. (collectively referred to as “TeleCheck” unless otherwise indicated), alleging various violations under the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681, eb seq. Plaintiff alleges that TeleCheck violated the FCRA when it (1) failed to follow reasonable procedures to assure maximum possible accuracy of the information contained in Holmes’ file; (2) failed to respond to Holmes’ requests for a file disclosure and for a copy of the report forming the basis for denying Holmes’ checks; (3) failed to investigate/reinvesti-gate based on a dispute; (4) failed to provide adequate staffing and training to comply with the FCRA; (5) improperly requested, required, or otherwise obtained information from Holmes, namely her social security number; (6) wrongfully disseminated reports, file material and/or other information about Holmes to unauthorized or improper persons, parties, or entities; and (7) failed to include a “Summary of Rights” notice. Plaintiff has filed a motion for summary judgment on the issue of liability only regarding the first, second, and third alleged violations identified above. Plaintiff asks the Court to find that TeleCheck willfully or negligently violated the FCRA as to those specific claims. Plaintiff seeks actual damages for emotional distress and humiliation. She also seeks statutory and punitive damages for pain and suffering, mental anguish, emotional distress, embarrassment, indignity, humiliation, and loss of enjoyment of life. Plaintiff also seeks a declaratory judgment and permanent injunction against Defendants. TeleCheck has filed a cross-motion for summary judgment on each of Holmes’ claims as to liability and damages. Defendants also have filed a number of motions, all opposed by Plaintiff, regarding the admissibility of evidence offered by Plaintiff in support of her summary judgment motion. The Court finds that oral argument is not necessary to the Court’s resolution of the parties’ motions. II. Overview of Facts A. Defendants’Business TeleCheck represents on its website that it is the “world’s leading check acceptance company, providing electronic check conversion, check guarantee, check verification, and collection services to retail, financial institutions, and other industry clients.” (Docket No. 157, Plf.’s App., Tab 23 at 1-2). According to Plaintiff, Tele-Check International, Inc. and TeleCheck Services, Inc. are “consumer reporting agencies” under the FCRA that provide “consumer reports” to merchants. On its website, TeleCheck represents that its check verification service “helps merchants separate good check writers from bad ones,” that its databases and risk management systems “identify not only bad check writing risks, but also good ones,” and that it can predict “with unmatched accuracy the probability of a check being good.” (Docket No. 157 at pp. 1-4). TeleCheck processes approximately 1.2 million check requests each day. TeleCheck merchants run customers’ checks through either a terminal or the cash register to send data to TeleCheck regarding the transaction. TeleCheck’s computer system then processes the transaction by running that data through risk models, which draw from hundreds of variables to assess the riskiness of that transaction. According to TeleCheck, the risk models for each merchant are particular to that merchant and are based on the particular merchant’s loss experience. Tele-Check typically does not have access to information concerning bank account balances. Based on the results of the risk model for that particular merchant, TeleCheck then issues one of four numeric codes to the merchant via the terminal or cash register. TeleCheck characterizes these codes as “recommendations” to the merchant as to how to handle the transaction. After receiving one of TeleCheck’s numeric codes, the merchant may choose to accept the check, reject the check, or provide additional information to TeleCheck. According to TeleCheck, the decision of check acceptance resides with the merchant, and merchants sometimes choose not to follow TeleCheck’s recommendation. “Code 0” indicates that the merchant should call TeleCheck to provide additional information. TeleCheck claims that a “Code 0” is not a recommendation to accept or decline a check; however, in Tele-Check internal documents, a “Code 0” is referred to as a decline. (Plf.’s App., Tab 2, TC002617). “Code 1” is an approval code; according to TeleCheck, it is a recommendation to the merchant to accept the check. “Code 3” is a decline code; according to TeleCheck, it is a recommendation to the merchant to decline the check based on an assessment of the risk of the transaction. When TeleCheck issues a “Code 3,” Tele-Check instructs the merchant to provide the checkwriter with a “courtesy card.” The “courtesy card” provides TeleCheck’s contact information, including a toll-free number, and lists the specific identifying information TeleCheck requires to answer the checkwriter’s questions. “Code 4” is a decline code; according to TeleCheck, it is a recommendation to decline the check based on what the Tele-Check system suggests is an outstanding unpaid check or information that the specific bank account is closed. This case does not involve any “Code 4s.” TeleCheck collects information based on three unique identifiers: bank account number, driver’s license number, and/or Social Security number. TeleCheck does not identify eheckwriters by name, address, or telephone number because those identifiers may not be unique to that eheckwriter. Plaintiff disputes that Tele-Check utilizes Social Security numbers in connection with its check verification and guarantee services and insists that Tele-Check collects consumers’ Social Security numbers for improper purposes in violation of the FCRA. B. TeleCheck’s Recommendations Regarding Holmes’ Checks Holmes’ claims are based on six check transactions. Five of the transactions involved “Code 3” recommendations. The other transaction involved a “Code 0.” With regard to the “Code 0,” TeleCheck ultimately recommended that Holmes’ check be accepted, and the merchant accepted the check. The six check transactions were as follows: Check 1: On August 22, 2003, at 10 p.m. Holmes presented a check for $489.58 with her 8-digit Tennessee driver’s license number to Hecht’s at the Cool Springs Galleria in Franklin, Tennessee. TeleCheck issued a “Code 3” based, in part, on the number of checks Holmes had written (the “check velocity”) in the preceding days and the fact that Holmes’ check was for an amount six times the average check presented to that Hecht’s location. Holmes admits that, in the two days before the presentment of the Hecht’s checks, she had written numerous checks, including three to TeleCheck merchants, two of which were presented to and accepted by Hecht’s within the previous hour. The “Code 3” decline was also based, in part, on a personal check written by Holmes to Swim ‘N Sport that had been returned for non-sufficient funds in March 2003. Hecht’s declined the $489.58 check. The Hecht’s clerk provided Holmes with TeleCheck’s phone number. Holmes immediately left the store and called the number. After going through TeleCheck’s IVR system and providing the requested information, Holmes was unable to reach a live operator and hung up out of frustration. Holmes returned to Hecht’s the following day and purchased the goods after Hecht’s offered her (and she accepted) a Hecht’s charge card. Holmes received a discount on the purchase for opening a Hecht’s charge account. Check 2: On August 26, 2003, Holmes presented a check for $51.91 to Borders in Brentwood, Tennessee. According to Te-leCheck, Borders had elected, as part of its risk model, to have the TeleCheck system issue a “Code 3” recommendation if the eheckwriter had received a “Code 3” risk-decline recommendation that was not overturned within the previous six days. Daniel Ahles testified that because the August 22, 2003 Hecht’s “Code 3” had not been overturned, the TeleCheck system automatically transmitted a “Code 3” recommendation to Borders. Borders declined the check. Holmes elected to then purchase the goods with a credit card. Check 3: The next transaction about which Holmes complains occurred almost one year later, on August 14, 2004, when Holmes presented a check to Hecht’s for $98.42. TeleCheck issued a “Code 0,” requesting additional information. The parties dispute whether, and to what extent, any additional information was provided by Hecht’s to TeleCheck. It is undisputed that the check was processed again, and, five to thirteen minutes later, TeleCheck issued a “Code 1” and Hecht’s accepted the check. Check 4: On May 21, 2005, Holmes presented a check to Arden B. for $170.43, using her 9 — digit Tennessee driver’s license number. According to TeleCheck, because that driver’s license number was new to the TeleCheck system, that identifier appeared to be from a new checkwriter. For that reason TeleCheck issued a “Code 3” to Arden B. Holmes purchased the goods with a credit card and started to leave the store. Minutes later Holmes returned to the store and presented a second check, which was processed using Holmes’ 8-digit expired Tennessee driver’s license number. Based on the second check, thirteen minutes after TeleCheck’s initial “Code 3” issuance, TeleCheck issued an approval recommendation. Arden B. accepted Holmes’ check in exchange for the goods and the merchant removed the charge from Holmes’ credit card account. Check 5: On June 14, 2005, Holmes presented a check to Charlotte Russe for $89.98, using her 9-digit driver’s license number. TeleCheck initially issued a “Code 3.” Holmes spoke with a Tele-Check employee at the point of sale, and TeleCheck changed the “Code 3” to a “Code 1.” Charlotte Russe accepted Holmes’ check in exchange for the goods. Check 6: A little over one hour later, Holmes presented a check to Hecht’s for $65.51, again using her 9-digit driver’s license number. Like the Charlotte Russe check, the Hecht’s check resulted in Tele-Check issuing a “Code 3.” Hecht’s re-ran the check using her 8-digit driver’s license number, and, five minutes after the initial decline recommendation, TeleCheck issued a “Code 1.” Hecht’s accepted her check and Holmes was thus able to purchase the goods with a personal check. III. Motions Related to Admissibility of Summary Judyment Evidence A. Renewed Motion to Strike and/or Exclude Third Party Checkwriter Affidavits (Docket No. 342) TeleCheck asks the Court to strike and/or exclude the third party checkwriter affidavits filed by Holmes in support of her motion for summary judgment. TeleCheck contends that the affidavits are irrelevant and immaterial. TeleCheck further contends that permitting Holmes to inject into this case the unrelated allegations of third parties would prejudice TeleCheck by forcing it to defend entirely new matters that have no connection to the specific facts and circumstances of this case. Plaintiff contends the affidavits constitute admissible and relevant evidence showing that TeleCheck engaged in a deliberate pattern and practice of refusing to provide consumers with information requested under 15 U.S.C. § 1681g in willful violation of the FCRA. The Court will deny Defendants’ motion to strike as moot because the Court did not rely on the third party check writer affidavits in resolving the parties’ pending cross-motions for summary judgment. The Court will take up the issue of admissibility of these affidavits, if necessary, at trial. B. Renewed Motion to Strike and/or Exclude Documents from the Houston Better Business Bureau (Docket No. 343) TeleCheck asks the Court to strike and/or exclude the documents from the Houston Better Business Bureau (“BBB”) filed by Plaintiff in support of her summary judgment motion. TeleCheck contends that these documents are inadmissible and irrelevant. Plaintiff disagrees. She seeks to introduce two types of BBB documents: documents sent by TeleCheck to the Houston BBB and records maintained by the Houston BBB regarding similar experiences by other check writers who had checks declined by TeleCheck and were equally frustrated in their ability to obtain any information from TeleCheck. Plaintiff contends that all of these documents are relevant to the issue of whether Defendants willfully or negligently violated the FCRA as well as to prove other parts of Plaintiffs claims. As to the BBB records consisting of complaints filed by other check writers, the Court will deny Defendants’ motion to strike as moot because the Court did not rely on this evidence in resolving the parties’ pending cross-motions for summary judgment. The Court will take up the issue of admissibility of these records, if necessary, at trial. As to the documents sent by TeleCheck to the Houston BBB, the Court denies Defendants’ motion. These documents are relevant to support Plaintiffs theory that Defendant TeleCheck International, Inc. is a “consumer reporting agency.” The relevance and admissibility of these documents at trial for other purposes will be addressed, if necessary, by the Court at trial. C. Renewed Motion to Strike and/or Exclude Plaintiff’s Supplemental Affidavit and Second Supplemental Affidavit (Docket No. 344) TeleCheck asks the Court to strike and/or exclude Plaintiffs Supplemental Affidavit and Second Supplemental Affidavit in which Plaintiff identifies certain alleged inaccuracies in TeleCheck’s raw transaction data. TeleCheck argues that the affidavits contradict Holmes’ sworn deposition testimony and that the alleged inaccuracies are irrelevant because Holmes has adduced no evidence that TeleCheck published any of the allegedly inaccurate raw data to any third party. Holmes argues that the challenged affidavits do not contradict her previous testimony. To the extent they do, Defendants may certainly address any contradictions in Holmes’ testimony when cross-examining Holmes at trial. Defendants could have taken a supplemental deposition of Holmes and fully explored the contents of the supplemental affidavits if they had such serious misgivings about her testimony. Yet, during the almost nine months between Plaintiffs filing of the affidavits and the date to which discovery was extended, Defendants chose not to depose Holmes regarding her supplemental affidavits, even when Holmes’ attorney specifically offered to make her available. In addition, the Court finds that the evidence adduced by Plaintiff regarding the alleged inaccuracies of raw transaction data is relevant to the issue of whether TeleCheck followed reasonable procedures to ensure maximum accuracy of the information concerning Holmes. Plaintiff alleges that this information, contained in “consumer reports” created and maintained by TeleCheck, formed the basis for Tele-Check’s issuance of numeric codes to merchants each time Holmes presented a check as a source of payment to a merchant. Thus, the motion will be denied. D. Renewed Motion to Strike and/or Exclude the Affidavit of Julia Trotman (Docket No. 345) TeleCheck asks the Court to strike and/or exclude the Affidavit of Julia Trot-man filed by Holmes in opposition to Tele-Check’s motion for summary judgment. Julia Trotman is Holmes’ massage therapist. She began providing massage therapy services to Holmes in early 2005, before Holmes filed this lawsuit. TeleCheck argues that Holmes timely failed to identify Trotman as an expert witness, that Ms. Trotman is not qualified to provide expert testimony, and that her affidavit contains inadmissible hearsay. Trotman need not testify as an expert. Under Federal Rule of Evidence 701, she can testify as to her lay witness observations about Holmes’ stress, pain, and conduct. As such, Defendants’ motion to strike and/or exclude will be denied. Amy further rulings with regard to the nature and extent of Trotman’s trial testimony will be addressed, if necessary, by the Court at trial. E. Renewed Motion to Strike and/or Exclude Expert’s Supplemental Report (Docket No. 346) TeleCheck asks the Court to strike and/or exclude Evan Hendricks’ supplemental expert report (Docket No. 89, Exh. B) filed by plaintiff in support of her motion for summary judgment. Hendricks is the editor/publisher of a specialty news reporting service that covers credit reporting, fair information practices, and related matters. TeleCheck contends that Plaintiff filed Hendricks’ supplemental report in an untimely manner and that the report addresses documents and testimony available to Hendricks before the disclosure deadline. The Court finds that even if Hendricks’ supplemental report contains “new” opinions, Plaintiffs failure to disclose this information until December 18, 2006, was harmless. While Defendants allege that consideration of Hendricks’ report will “significantly prejudice TeleCheck,” (Docket No. 346 at 2), Defendants do not explain how they will be prejudiced other than suggesting that Plaintiff was attempting to shield Hendricks’ opinions from cross-examination. (Id. at 3 n. 1). However, over eleven months have passed since Plaintiff provided the supplemental report to Defendants, and Defendants have not sought permission by the Court to take a supplemental deposition of Hendricks. Therefore, Defendants’ motion to strike and/or exclude the supplemental report will be denied. Any further rulings with regard to the nature and extent of Hendricks’ trial testimony will be addressed, if necessary, by the Court at trial. IV. Cross-Motions for Summary Judgment A. Standard of Review Rule 56(c) of the Federal Rules of Civil Procedure provides that summary judgment may be rendered if “the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law.” Fed.R.Civ.P. 56(c). In order to prevail, the movant has the burden of proving the absence of a genuine issue of material fact as to an essential element of the opposing party’s claim. Celotex Corp. v. Catrett, 477 U.S. 317, 106 S.Ct. 2548, 2553, 91 L.Ed.2d 265 (1986). In determining whether the movant has met its burden, the Court must view the evidence in the light most favorable to the nonmoving party. Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 106 S.Ct. 1348, 1356, 89 L.Ed.2d 538 (1986). In order to defeat the motion, the non-moving party is required to show, after an adequate time for discovery, that there is a genuine issue of fact as to every essential element of that party’s case upon which he will bear the burden of proof at trial. Celotex Corp., 106 S.Ct. at 2553. In order to create a genuine factual issue, the nonmoving party must show “there is sufficient evidence favoring the nonmoving party for a jury to return a verdict for that party.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 106 S.Ct. 2505, 2511, 91 L.Ed.2d 202 (1986). Although the nonmovant need not show that the disputed issue should be resolved in his favor, he must demonstrate that there are genuine factual issues that “properly can be resolved only by a finder of fact because they may reasonably be resolved in favor of either party.” Id. A preponderance of the evidence standard is used in this determination. Id. Therefore, if the evidence offered by the nonmoving party is “merely colorable,” or “is not significantly probative,” the motion for summary judgment may be granted. Id.See also Matsushita Electric, 106 S.Ct. at 1356. B. Analysis The FCRA was enacted in 1970 “to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy.” Safeco Ins. Co. of America v. Burr, — U.S.-, 127 S.Ct. 2201, 2205-06, 167 L.Ed.2d 1045 (2007) (citations omitted). More specifically, Congress enacted the FCRA “to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.... ” 15 U.S.C. § 1681(b). The Court should liberally construe the FCRA in favor of the consumer. Jones v. Federated Fin. Reserve Corp., 144 F.3d 961, 964 (6th Cir.1998). Plaintiff Holmes alleges that TeleCheck violated the FCRA in a number of ways. The Court will address each claim below. The issues of causation and damages with respect to Plaintiffs FCRA claims will be addressed collectively at the conclusion of this section. 1. “Inaccuracy of Information/Reasonable Procedures” Claims Subparts 3-8 of Holmes’ FCRA claim are based on allegations of inaccuracy of information provided to merchants. Holmes brings these claims under 15 U.S.C. § 1681 e(b), which requires consumer reporting agencies to “follow reasonable procedures to assure maximum possible accuracy” when preparing a “consumer report”. To establish a prima facie case of inaccuracy under 15 U.S.C. § 1681 e(b), a plaintiff must prove: “(1) the defendant reported inaccurate information about the plaintiff; (2) the defendant either negligently or willfully failed to follow reasonable procedures to assure máximum possible accuracy of the information about the plaintiff; (3) the plaintiff was injured; and (4) the defendant’s conduct was the proximate cause of the plaintiffs injury.” Nelski v. Trans Union, LLC, 86 Fed.Appx. 840, 844 (6th Cir.2004); see also Spence v. TRW, Inc., 92 F.3d 380, 382 (6th Cir.1996)(“[The Plaintiff] could not prevail on the claims asserted [regarding accuracy] without proving that the information in question was inaccurate ....”) (citations omitted). TeleCheck contends this claim fails as a matter of law because (1) the recommendations about which Holmes complains were not “consumer reports,” and thus are not actionable under the FCRA; (2) even if they were “consumer reports,” those recommendations did not disclose any inaccurate information about Holmes; and (3) in any event, TeleCheck’s reporting procedures were reasonable. a. TeleCheck is a “consumer reporting agency” under the FCRA. The FCRA defines a “consumer reporting agency” as “any person which, for monetary fees, regularly engages in the practice of assembling or evaluating consumer credit information or other information on consumers for the purposes of furnishing “consumer reports” to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.” 15 U.S.C. § 1681a(f). TeleCheck represents itself as a “consumer reporting agency” on its public website (“TeleCheck is also a consumer reporting agency as defined in the Fair Credit Reporting Act”) (Docket No. 157, Plf.’s App., Tab 23, website excerpts, pp. 5-7), in its training materials (“Under the FCRA guidelines, TeleCheck is a ‘consumer reporting agency’ because we render ‘consumer reports.’ ”)(Docket No. 157, Plf.’s App. Tab 2, TeleCheck training documents, TC000276 & TC000288), in its merchant contracts (Hecht’s Contract, Plf.’s App. Tab 2, TC 002795-2805 ¶ 7), and in the “courtesy cards” provided by TeleCheck to merchants to give to consumers following a decline, which advise that consumers have a right to a “free copy of the information held in TeleCheck’s files for a period of 60 days following an adverse action” and that “[c]onsumers also may dispute the accuracy or completeness of any information in TeleCheck’s consumer report.” (Plf.’s App., Tab 25)(emphasis added). Tele-Check’s parent corporation, First Data, also indicates in its SEC filings that Tele-Check is subject to the FCRA “based on TeleCheck’s maintenance of a database containing the check-writing histories of consumers and the use of that information in connection with its check verification and guarantee services.” (Plf.’s App., Tab 3). The Court finds that, under these facts, TeleCheck is a “consumer reporting agency” under the FCRA. b. The numeric codes issued to merchants by TeleCheck constitute “consumer reports” under the FCRA. A “consumer report” is defined under the FCRA as “any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living....” 15 U.S.C. § 1681a(d)(l). Further, the information must be “used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for credit or insurance, employment purposes or any other purpose authorized under 15 U.S.C. § 1681b.” Id. Under § 1681b(a)(3)(F)(i), a “consumer report” may be furnished to a person having “a legitimate business need for the information in connection with a business transaction that is initiated by the consumer.” Defendants argue that the “Code 0” and “Code 3s” disclosed no information about Holmes to merchants bearing on any of the seven characteristics set forth in the FCRA definition of “consumer report,” and thus, the FCRA does not apply. Defendants’ argument rests on the fact that when TeleCheck issues a “Code 3” to a merchant, it provides the merchant with the following description of the code: “TeleCheck has no negative information on the cheekwriter or company, but the check falls outside the guidelines that TeleCheck will guarantee at this time.” (Hogan Deck, Exh. A, TC002895). The Court is not persuaded by Defendants’ argument. A “Code 3” transmittal must be considered alongside all of Tele-Check’s representations about its services to merchants. TeleCheck represents that it can predict bad or risky check writers from good ones and that it “contracts with merchants to provide those services (check verification or check guarantee) to assist them in decreasing their risk of bad or fraudulent checks” (Docket No. 331 at 2). TeleCheck also states that it “uses the information in its database to determine whether or not a consumer is ‘worthy’ of writing a check or opening a checking account. TeleCheck’s communication of the response codes to the subscriber bears on the consumer’s ability to write a check or open a checking account.” (Docket No. 157, Plf.’s App., Tab 2, TC 000276-77 and TC000288-89). Thus, when TeleCheck issues a “Code 3” related to a check presented to a merchant, TeleCheck’s code communicates a message about an identifiable person’s “character, general reputation, personal characteristics, or mode of living,” i.e., it is advising the merchant that the cheekwriter standing before it poses some kind of risk. TeleCheck is providing this information to a merchant who has a legitimate business need in connection with a business transaction initiated by the consumer, i.e., sales transactions initiated by Holmes at the merchants’ stores. In addition, TeleCheck admits it issues “consumer reports.” In documents describing “Code 1,” “Code 3,” and “Code 4,” TeleCheck states that “TeleCheck electronically or verbally communicates these consumer reports to its subscribers through the issuance of authorization response codes relating to the consumer’s transaction with the subscriber.” (Plf.’s App., Tab 2, TC000276-77 & TC000288-89)(emphasis added). The “courtesy cards” provided by TeleCheck to merchants to give to consumers following a decline advise that consumers have a right to a “free copy of the information held in TeleCheck’s files for a period of 60 days following an adverse action” and that “[cjonsumers also may dispute the accuracy or completeness of any information in TeleCheck’s consumer report.” (Plf.’s App., Tab 25)(emphasis added). Courts have held that check verification and guarantee companies are consumer reporting agencies and provide “consumer reports.” See Estiverne v. Sak’s Fifth Ave., 9 F.3d 1171, 1173-74 (5th Cir.l993)(holding that a check approval company’s report was “consumer report” for FCRA purposes and store’s obtaining of report for purpose of deciding whether to accept cheek was legitimate business need); Greenway v. Info. Dynamics, Ltd., 524 F.2d 1145, 1146 (9th Cir.l975)(holding that a report of the previous issuance of an unpayable check is a “consumer report,” subjecting issuer to requirements of the FCRA as a “consumer reporting agency,” inasmuch as report bears on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, and personal characteristics, and check itself is, essentially, an instrument of credit); Lofton-Taylor v. Verizon Wireless, 2006 WL 3333759, at *3 (S.D.Ala. Nov.14, 2006)(holding that a “report from a check approval company is a consumer report under § 1681a(d).”); Alexander v. Moore & Assocs., Inc., 553 F.Supp. 948, 950-51 (D.C.Hawai’i 1983)(holding that a check guarantee service which gave to tenants a “Code 4” which caused them to later have their checks refused by various merchants issued “consumer reports” and thus was a “credit reporting agency” within the FCRA); Peasley v. Telecheck of Kansas, 6 Kan.App.2d 990, 637 P.2d 437, 442 (Kan.App.l981)(holding that “the check guarantee and reporting service on bank checks of consumers, which defendant engages in for the benefit of merchant subscribers, falls within the definition of a ‘consumer report’ ” and “defendant in furnishing such service is a ‘consumer reporting agency’ ”). Likewise, the Court finds that the numeric codes issued by Tele-Check to the merchants at issue constituted “consumer reports” under the FCRA. c. A genuine issue of material fact exists as to whether the “Code 3s” issued by TeleCheck transmitted inaccurate information regarding Holmes’ 2005 checks, but not her 2003 and 2004 checks. Defendants maintain that even so, neither the “Code 3” nor the “Code 1” transmitted to merchants disclosed inaccurate information about Holmes. In this Circuit, if the information actually conveyed to a third party is “technically accurate,” the analysis ends there. Dickens v. Trans Union, 18 Fed.Appx. 315, 318 (6th Cir.2001); Garrett v. Trans Union, LLC, 2006 WL 2850499, at *10 (S.D.Ohio Sept.29, 2006); Slice v. ChoiceDATA Consumer Servs. Inc., 2006 WL 686886, at *7 (E.D.Tenn. Mar.16, 2006)(fínding no liability under § 1681e because the information communicated was accurate). Under the “technical accuracy” standard adopted by the Sixth Circuit, a “credit reporting agency satisfies its duty under section 607(b) if it produces a report that contains factually correct information about a consumer that might nonetheless be misleading or incomplete in some respect.” Dickens, 18 Fed.Appx. at 318 (quoting Cahlin, 936 F.2d at 1156); Garrett, 2006 WL 2850499, at *9 (holding that a report entry that could have been more accurate and specific was still technically accurate and did not give rise to a FCRA claim). As to the 2003 and 2004 checks at issue, the information conveyed by TeleCheck to Hecht’s and Borders via its numeric codes was accurate. See Johnson v. Equifax, Inc., 510 F.Supp.2d 638, 646 (S.D.Ala.2007)(“Even if Johnson could establish that a Trans Union report was furnished to a third party, Trans Union’s reporting of the MBNA account with the “included in bankruptcy” comment was accurate .... Consequently, Johnson’s claim is without merit.”) Regarding the August 22, 2003 check to Hecht’s, the risk model considered such factors as Holmes’ recent heavy volume of checks, her previous bounced check, and the amount of her check compared to the store average. Holmes provides no evidence that the application of those variables was inaccurate; she concedes that she had bounced a check a few months earlier, that she had written numerous checks recently, and that the check was for over $489. According to Ahles, director of risk technology at TeleCheck, the August 26, 2003 check to Borders received a “Code 3” because Holmes did not obtain an overturn of the August 22 Hecht’s “Code 3.” Holmes does not dispute that the Hecht’s “Code 3” occurred just four days before the Borders transaction and concedes that she did not attempt to have TeleCheck overturn the Hecht’s “Code 3” by calling TeleCheck on August 22, 2003. As to the 2004 check to Hecht’s, Tele-Check claims that Holmes received a “Code 0” response because she had already written a large check to Hecht’s within the preceding 24 hours. Holmes does not dispute that she had written such a check. Holmes makes no argument, nor is there any evidence, that the TeleCheck system actually recommended approval of these check transactions or that the transactions actually passed the guidelines for the particular merchant’s risk models. However, as to the 2005 “Code 3” declines, the information about Holmes conveyed by TeleCheck to the merchants was neither accurate nor based on accurate information. Ahles testified that TeleCheck issued the “Code 3s” because its system failed to recognize Holmes’ new driver’s license number and therefore viewed her as a first-time check writer. (Docket No. 157, Tab 30, Ahles Dep., Vol. I, pp. 230-31). Holmes was certainly not a first-time check writer. She had years of check writing history in TeleCheck’s system. However, TeleCheck’s system and/or personnel failed to connect or associate her prior check writing history under her 8-digit driver’s license number with her new 9-digit driver’s license number. The parties dispute whether, and to what extent, TeleCheck modified its system to combine a check writer’s history with her new one. Considering that the heart of Tele-Check’s system is the consumer’s transactional history, a genuine issue of material fact exists as to whether TeleCheck followed reasonable procedures to assure maximum possible accuracy when it reported to merchants in 2005 that Holmes’ checks could not be guaranteed — reports based, at least in part, on the inaccurate fact that Holmes was a first-time check-writer. d. A genuine issue of material fact exists as to whether TeleCheck’s procedures in preparing “consumer reports” were unreasonable and in violation of the PCRA. Defendants argue that even if the “Code 0” and “Code 3s” were “consumer reports,” and even if those codes disclosed inaccurate factual information about Holmes to merchants, Holmes has failed to offer any proof that TeleCheck’s procedures in preparing the reports were unreasonable. In the Sixth Circuit, “the standard of conduct by which the trier of fact must judge the adequacy of [consumer reporting] agency procedures is what a reasonably prudent person would do under the circumstances.” Bryant v. TRW, Inc., 689 F.2d 72, 78 (6th Cir.1982). The question of whether an agency followed “reasonable procedures” is typically a fact question reserved for the jury. Boris v. Choicepoint Servs., Inc., 249 F.Supp.2d 851, 856 (W.D.Ky.2003) (citations omitted). TeleCheck uses two primary identifiers in the processing of paper check transactions — driver’s license numbers and bank account numbers. Merchants are not required to input both identifiers in the processing of a particular check. If a merchant inputs only one identifier (such as driver’s license number only), the “consumer report” given to the merchants is limited to the information that is stored by TeleCheck based solely on the driver’s license number. Similarly, if a merchant inputs only the bank account number, the information provided that forms the basis of the “consumer report” is limited as well. Holmes contends this is just one of the many ways in which the “consumer report” given by TeleCheck to merchants is inaccurate. By segregating the data regarding a particular consumer based on a driver’s license or bank account number, TeleCheck self-limits the information provided. In other words, Plaintiff contends, a merchant is naturally given an incomplete consumer check writing history based on TeleCheck’s decision to segregate its data. The Court finds that whether TeleCheck used “reasonable procedures” in reporting information about Holmes to merchants and in maintaining reports on Holmes is therefore a question for the jury to determine. For these reasons, Defendants’ motion for summary judgment as to subparts 3 through 8 of Holmes’ FCRA claim will be granted as to the checks written in 2003 and 2004 and denied as to the checks written in 2005. 2. “File Disclosure” Claims Subparts 1 and 2 of Holmes’ FCRA claim are based on TeleCheck’s alleged failures to provide a complete or partial file disclosure, as well as a copy of the report forming the basis for denying her checks, to Holmes. TeleCheck maintains that it complied with the letter and the spirit of the FCRA in responding to Holmes’ requests. a. Refusal to provide file disclosures First, Holmes contends that until the filing of this lawsuit, TeleCheck refused to provide any type of file disclosure whatsoever. In addition, Holmes contends that even after the filing of this lawsuit, TeleCheck refused to provide a complete file disclosure compliant with the FCRA. Under 15 U.S.C. § 1681 g(a), a consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer: (1) all the information in the consumer’s file at the time of the request; (2) the sources of the information; (3) identification of each person that procured a consumer report during a period of one year preceding the date on which the request is made; (4) the dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer included in the file at the time of the disclosure; (6) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit score. Under § 1681a(g), the term “file” when “used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.” Before making a “file disclosure,” consumer reporting agencies “shall require, as a condition of making the disclosures required under [15 U.S.C. § 1681g, the file-disclosure provision], that the consumer furnish proper identification.” 15 U.S.C. §§ 1681h(a)(l) and 1681g(a). TeleCheck contends that it provided a file disclosure once Holmes submitted the proper identification in connection with her request for that disclosure. Holmes claims that she made an oral request by telephone to “Rita” at Tele-Check for a complete file disclosure on August 26, 2003, and that “Rita” advised her to submit a written file request, which she did not do. TeleCheck has no record of Holmes’ alleged oral request. At that time, Federal Trade Commission (“FTC”) commentary stated that an agency may insist on a written request for a file disclosure. See 16 C.F.R. Part 600, § 609, Part 3. The FCRA did not require TeleCheck to make file disclosures upon telephonic request until after the 2003 FACT Act Amendments became effective in December 2004. See 16 CFR § 610.3 (effective date of Dec. 1, 2004). However, the FTC commentary was not binding; the statute simply stated that “upon request” the consumer reporting agency “shall” produce the file. TeleCheck has not refuted Holmes’ assertion that she spoke with “Rita” at TeleCheck and requested her file. A genuine issue of material fact exists as whether Holmes made a request for a file disclosure to TeleCheck via “Rita” in 2003. Holmes sent letters dated September 11, 2003, and October 2, 2003, requesting a “detailed written explanation stating the reason(s) for declining to approve [her] checks.” (Docket No. 157, Plf.’s App., Tabs 5 & 6). According to TeleCheck, Holmes’ letters simply questioned why her checks were declined and because they did not request file disclosures specifically, Te-leCheck did not disclose her file. Instead, TeleCheck sent a form letter dated October 2, 2003, requesting that Holmes provide her driver’s license number, all the numbers at the bottom of the check from the left to the right and her Social Security number. TeleCheck indicated that the information was being requested “for the sole purpose of locating” Holmes’ file and/or information pertaining to Holmes’ inquiry. (Plf.’s App., Tab 6). Holmes sent another letter to TeleCheck dated October 15, 2003, again asking Tele-Check to explain why her check was denied. (Plf.’s App., Tab 6). TeleCheck sent a letter to Holmes dated November 4, 2003, stating that Holmes’ file reflected a “positive status” and contained “no derogatory information.” (Plf.’s App., Tab 7). Holmes’ third letter, sent November 11, 2003 (incorrectly dated September 11, 2003), stated: “Please state in fall and complete detail, [sic] all facts, information and data which TeleCheck relied upon and/or utilized in concluding that ‘the check simply did not meet the acceptance guidelines that TeleCheck has established.’ ” (Docket No. 85, Tab 8)(emphasis in original). Holmes further insisted on “an immediate, complete, specific and accurate response to [her] inquiries and full disclosure stating the specific grounds behind the denial of [her] checks and also information on what [she] c[ould] do in the future to avoid these humiliating experiences.” TeleCheck contends it sent a letter to Holmes in response dated December 11, 2003, but it has not produced the letter. The parties dispute whether Defendants purposefully destroyed or inadvertently lost or destroyed the letter. Holmes recalls receiving a letter stating that Tele-Check had made an adjustment to her account and that the specific type of adjustment was not explained. (Plf.’s App., Tab 21, Holmes Aff. ¶ 8). Holmes wrote TeleCheck again on August 24, 2004, regarding her file and enclosed all prior communications between the parties. TeleCheck responded by letter saying that Holmes’ “file reflects a positive status and contains no derogatory information.” (Plf.’s App., Tab 11). The court finds that a genuine issue of material fact exists as to whether Holmes’ 2003 and 2004 letters contained requests for file disclosures under the FCRA, triggering TeleCheck’s obligation under § 1681 g(a) to disclose Holmes’ files. Holmes’ husband/attorney sent a letter to TeleCheck dated September 17, 2004. In the letter, he referenced Holmes’ November 4, 2003 letter, and requested that TeleCheck “state in full and complete detail, all facts, information, and data which TeleCheck relied upon and/or utilized in concluding that ‘the check did not meet the acceptance guidelines that TeleCheck had established.’” (Plf.’s App., Tab 12). The letter further requested that TeleCheck “forward a complete copy of Ms. Holmes’ file.” (Id.) TeleCheck advised Mr. Holmes that it could not locate the checkwriter information without Mrs. Holmes’ unique identifiers. Mr. Holmes sent another letter, dated October 29, 2004, demanding that Tele-Check “provide a detailed, written response to Ms. Holmes’ inquiry related to the checks referenced in counsel’s September 17, 2004, letter” and also to “forward a complete copy of Ms. Holmes’ file.” (Plf.’s App., Tab 14). Because he still did not provide Holmes’ unique identifiers, Tele-Check again advised Mr. Holmes that such information was required before Tele-Check could provide information to him. Mrs. Holmes sent a letter to TeleCheck, dated May 22, 2005, in which she provided “written notification that [she] would like to receive a free copy of the consumer’s information held in TeleCheck’s file with regard to [her] account.” (Plf.’s App., Tab 16). The parties agree that this letter clearly contained a request for a file disclosure. However, TeleCheck did not release a file disclosure. TeleCheck maintains that it did not provide a file disclosure because Holmes provided an identifier (her expired 8-digit license number) that did not match the one (her 9-digit license number) used in the Arden B. transaction about which she was inquiring. Holmes, on the other hand, contends that her check was ultimately accepted by TeleCheck at Arden B. using the 8-digit license number. Instead of providing a file disclosure, TeleCheck sent to Holmes two letters dated June 3, 2005, stating that the unique identifier she had provided to TeleCheck reflected no negative history. TeleCheck provided a toll-free number for Holmes to call. She did not call that number to discuss her request. At a minimum, Holmes urges, Tele-Check should have informed Holmes that there was some confusion as to her eight and nine digit driver’s license numbers. TeleCheck maintains that because of the conflicting information provided by Holmes, it did not have confidence in her identity. Holmes sent another letter dated June 14, 2005, stating that “once again, I am requesting that you send me a free copy of the consumer’s information held in Tele-Cheek’s file with regard to me.” (Plf.’s App., Tab 18). According to TeleCheek, Holmes did not provide the identifier used in the transaction about which she was inquiring, nor did she provide any identifiers. Instead, Holmes provided a reference number associated with the specific transaction about which she inquired, so Tele-Check responded to her inquiry about that transaction but, without a unique identifier from Holmes in her June 14 letter, did not provide a file disclosure. Holmes requested a file disclosure again on August 8, 2005, in her letter to Tele-Check inquiring about the July 14 declines at Charlotte Russe and Hecht’s. In her written correspondence to TeleCheek, she provided two different bank account numbers, one of which she admits was incorrect with regard to the Hecht’s transaction at issue. TeleCheek maintains that it responded by telling her that an “adjustment” had been made to her file and by providing Holmes with a file disclosure for the valid bank account number she provided in August 8, 2005 letter. On or about October 11, 2005 — after Holmes had filed this lawsuit — a document entitled “TeleCheek File Repo” was mailed to Holmes, without a cover letter or a “Summary of Rights.” TeleCheek maintains that it provided this document to Plaintiff as a file disclosure in response to her August 8, 2005 letter. Plaintiff has adduced evidence that the “TeleCheek File Repo” was generated per the instructions of Jane Williams, in-house counsel for Te-leCheck, as confirmed in her September 29, 2005 email to Plaintiffs counsel after the filing of this lawsuit. (Plf.’s App., Tab 32). The Court finds that there is a genuine issue of material fact as to whether TeleCheek provided a file disclosure in response to Plaintiffs August 8, 2005 request. Plaintiff contends that at no time did TeleCheek tell Holmes to put each and every identifier on each and every communication. Their standard practice is to send the “insufficient information” form letter, similar to the one that was mailed to Holmes four times. Thus, contends Plaintiff, the whole purpose of the Tele-Check process — coupled with not cataloging prior communications' — is designed to give consumers the runaround. TeleCheek does not tell consumers that the information disclosed will be limited to the identifiers provided. Plaintiff contends that TeleCheek should provide all information based on the identifiers provided by the consumer as well as identifiers known by TeleCheek to be associated with that particular person. The Court finds that a genuine issue of material fact exists as to whether Tele-Check’s conduct in response to Mr. and Mrs. Holmes’ oral and written communications complied with § 1681 g(a) of the FCRA. The Court also finds that a genuine issue of material fact exists as to whether TeleCheek ever provided Holmes with a complete file disclosure upon Holmes’ request. The term “file” is defined by 15 U.S.C. § 1681a(g) as “all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how that information is stored.” Plaintiff contends that a complete file disclosure would be all information related to all checks on the consumer making the request in TeleCheck’s system and that TeleCheek refused to produce her complete file. Plaintiff alleges that the information contained in the “Repo” was incomplete and therefore inaccurate because: the information was limited to six check transactions processed through TeleCheek using only two identifiers: Holmes’ AmSouth bank account and 9-digit Tennessee driver’s license number; no information was provided about the Bank of America account that Holmes had used during 2003 and 2004, when she experienced problems with TeleCheck; nor was any information provided regarding the 8-digit Tennessee driver’s license number; the “Repo” did not contain several checks Holmes had written to TeleCheck merchants during this time frame; the “Repo” did not contain Holmes’ date of birth, although Tele-Check had this identifying information about her in its files and uses a consumer’s age as a factor in processing check transactions; and there is no mention of the Swim ‘N Sport Check, although Defendants claim that Holmes’ check was declined on August 22, 2003, based on her prior check writing activity and the Swim ‘N Sport check. b. Refusal to provide reasons forming the basis to deny Holmes’ checks Holmes alleges that TeleCheck failed “to provide a copy of a report forming the basis to deny Holmes’ checks.... ” (Comply 40(1)). To the extent that this theory seeks a disclosure of Holmes’ file, it is duplicative of Plaintiffs claim that TeleCheck violated § 1681 g(a). To the extent that Holmes is seeking the reasons behind TeleCheck’s issuance of “Code 3s” with regard to her checks, it is undisputed that she and her husband/attorney repeatedly requested the specific reasons for the codes issued to merchants. According to TeleCheck, the reasons and bases for a “Code 3” decline necessarily involve the application of risk predictors to specific transactions. TeleCheck maintains that it does not disclose to check writers the variables used in the risk models for two practical reasons: (1) the scoring models are proprietary and (2) persons trying to present fraudulent checks could more easily circumvent TeleCheck’s system for improper and unlawful purposes. TeleCheck provided to Plaintiff a general explanation of factors that could impact a risk decline recommendation. The FCRA expressly excludes from the disclosure requirement “any information concerning credit scores or any other risk scores or predictors relating to the consumer.” 15 U.S.C. § 1681g(a)(l)(B). In the 2003 FACT Act amendments to the FCRA, Congress added an exemption for check services companies from certain requirements to provide consumers with access to credit scoring information. See 15 U.S.C. § 1681c(d)(2). Thérefore, as a matter of law, TeleCheck cannot be liable for failing to provide to Holmes the risk reasons for the “Code 3s,” and Defendants’ motion for summary judgment on this issue will be granted. c. Inaccuracy of report provided to Holmes To the extent that Holmes claims that the accuracy requirement applies to file disclosures provided directly from a consumer reporting agency to a consumer, that claim also fails. The accuracy requirement for consumer reporting agencies relates to the preparation of “consumer reports,” not to file disclosures. See 15 U.S.C. § 1681e(b). In other words, a claim for inaccuracies in a file disclosure is not cognizable under the FCRA. For the reasons explained above in this section, Defendants’ motion for summary judgment, as to subparts 1 and 2 of Holmes’ FCRA claim will be denied in part and granted in part. 3. “Reinvestigation” Claims Subparts 3, 4, and 7 of Holmes’ FCRA claim relate to the FCRA reinvestigation procedures under § 1681L Section 1681i sets forth a separate procedure for disputing the accuracy of a file disclosure after that disclosure is provided to the consumer. Holmes alleges TeleCheck violated the FCRA by: (a) failing to give Holmes the opportunity to dispute the accuracy or completeness of TeleCheck’s reports or files, or to request that any inaccurate or unverified information be removed from those files; and (b) failing to remove, correct, or modify those reports or files based on inaccurate or incomplete information. Under 15 U.S.C. § 1681i, “if the completeness or accuracy of any item of information contained in a consumer’s file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.” 15 U.S.C. § 1681i(a)(l)(A). In Spence v. TRW, Inc., 92 F.3d 380 (6th Cir.1996), the court held that § 1681i “contemplates that the consumer will convey this information to the reporting agency so that the agency can record the current status of the information.” Id. at 383. Because the plaintiff had not notified the defendant of the inaccuracy of a particular item of information listed on a report, his FCRA claim failed. Id. n. 1 (“Mr. Spence did send TRW a communication ... in which he demanded reinvestigation of ‘any and all negative entries contained in [his] credit report.’ This was simply not sufficient to put TRW on notice that the hospital item was obsolete.”). TeleCheck contends that Holmes likewise never notified TeleCheck that any specific information was inaccurate. Instead, TeleCheck urges, Holmes simply asked why four merchants declined her checks and argued that the checks should not have been denied. According to Plaintiff, however, after numerous adverse actions, she repeatedly disputed the completeness and/or accuracy of items contained in TeleCheck’s system, specifically, any information in her file that was causing or contributing to a check decline. For example, Holmes claims that her August 2003 call to “Rita” initiated the reinvestigation process. TeleCheck argues that, even assuming the call to “Rita” occurred, Holmes was only “disputing Tele-Check’s information;” thus, by failing to specify the specific information she disputed, she did not trigger the reinvestigation process under the FCRA. Plaintiff contends that TeleCheck deliberately refused to reinvestigate and points to its policy of submitting only form letters to consumer inquiries and its failure to properly train its employees to conduct a proper investigation. The Court finds that a genuine issue of material fact exists as to whether TeleCheck violated § 1681i of the FCRA. Following reinvestigation, if the disputed information is found to be inaccurate, incomplete, or unverifiable, a “consumer reporting agency” is required to promptly delete that information from the file or modify that information as appropriate based on the reinvestigation and promptly notify the furnisher that the information has been modified or deleted from the file of the consumer. 15 U.S.C. § 1681i(a)(5). If any information has been removed or modified from the consumer’s file based on the request for a reinvestigation, the FCRA must provide a revised consumer disclosure to the consumer as a result of the reinvestigation. 15 U.S.C. § 1681 i(a)(6)(B)(ii). Holmes alleges that in December 2003, she received a letter stating an adjustment had been made to her file, but she was not told the nature of the adjustment nor did TeleCheck send an updated file disclosure. She alleges that on August 18, 2005, she was told that an adjustment had been made, but she was not told the nature of the adjustment nor did she receive an updated file disclosure. According to Plaintiff, the adjustments were all made in conjunction with disputes by Holmes either by phone or through letters, and neither Holmes nor the merchants were ever notified under 1681i. There is a genuine issue of material fact as to whether TeleCheck violated §§ 1681i(a)(5) and (a)(6)(B)(ii) by its alleged conduct. In sum, the Court finds that a genuine issue of material fact exists as to Plaintiffs’ reinvestigation claim. Thus, as to sub-parts 3, 4, and 7 of Holmes’ FCRA claim, Defendants’ motion for summary judgment will be denied. 4. “Inadequate Staffing and Training” Claims In subpart 9, Holmes claims TeleCheck violated 15 U.S.C. § 1681h(c) by failing “to provide adequate resources to comply with the FCRA, including, but not limited to, adequate staffing and training of personnel.... ” (Compl., ¶ 40(9)). The FCRA provides: “Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to section 1681g of this title.” 15 U.S.C. § 1681 g(c). “The burden is on the consumer to establish that a credit reporting agency’s procedures for training or disclosure are deficient.” Guimond v. Credit Bureau Inc. of Georgia, 1992 WL 33144, at *3 (4th Cir. Feb. 25, 1992). TeleCheck contends Holmes’ inadequate staffing and training claim fails because at no time did Holmes seek from TeleCheck any explanation of her file disclosure. Te-leCheck points out that since 2004, it has maintained a 24-hour call center for check writers to request file disclosures and to ask questions about a file disclosure. Holmes admits she spoke with a Tele-Check employee both times she called Te-leCheck and that TeleCheck responded to all of Holmes’ letters. Holmes, however, has adduced evidence that TeleCheck is unable or unwilling to adequately respond to consumers’ requests for information regarding their files and check declines. For example, Holmes points to evidence that TeleCheck call center representatives are overworked and required to handle over 100 calls daily; as a result, consumers frequently back up in the “queue” and representatives are pressured to shorten calls to eliminate the backlog. (Docket No. 85, Tab 36, Ramirez Dep. at pp. 12-13, 30). Further, representatives hang up on consumers o