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McDONALD v. NELNET, INC.

No. 4:06CV1599 CDP.

477 F.Supp.2d 1010 (2007)

Ana McDONALD, Plaintiff, v. NELNET, INC., Defendant.

United States District Court, E.D. Missouri, Eastern Division.

February 23, 2007.

Attorney(s) appearing for the Case

David T. Butsch, James J. Simeri, Green and Jacobson, P.C., St. Louis, MO, for Plaintiff.

Andrew Brooks Messite, Wallace Bryan Neel, Reed Smith, LLP, New York, NY, Jeffrey S. Russell, Rhiana A. Sharp, Bryan Cave LLP, St. Louis, MO, for Defendant.

MEMORANDUM AND ORDER

PERRY, District Judge.

Plaintiff Ana McDonald, like many other plaintiffs in recently-filed cases, brings this suit under the Fair Credit Reporting Act (FCRA) against a lender who accessed her credit report without her knowledge and then sent her a mailing purporting to offer credit. Whether this access of credit information without the consumer's consent violates the law depends on whether it is a "firm offer of credit" as defined...

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