Kirtz v. Trans Union, LLC

In this case, the plaintiff alleges that the U.S. Department of Agriculture (USDA) violated the Fair Credit Reporting Act (FCRA) by failing to investigate and correct erroneous information that it submitted to Trans Union, a credit reporting agency. As a general rule, federal agencies are immune from suit under a principle called sovereign immunity. Congress may waive sovereign immunity, however, through a statute authorizing suit. In FCRA, Congress gave consumers a right to file suit against any “person” who negligently or willfully violates the statute, and it defined “person” to include any “government or governmental subdivision or agency.” One question in this case is whether FCRA waives the government’s sovereign immunity from suit. The district court held that it does not and dismissed the case against USDA.

Public Citizen represents the plaintiff on appeal, arguing that FCRA waives the government’s sovereign immunity by unambiguously authorizing suit against federal agencies.