TransUnion LLC v. Ramirez
View Official PDFBelow are plain-language sections to help you understand what the Court decided in TransUnion LLC v. Ramirez and why it matters. Quotes are taken from the syllabus (the Court’s short summary at the start of the opinion).
Summary
A short, plain-English overview of TransUnion LLC v. Ramirez.
In TransUnion LLC v. Ramirez, the Supreme Court addressed whether plaintiffs had Article III standing to sue under the Fair Credit Reporting Act. The case involved 8,185 individuals with OFAC alerts in their credit files, but only 1,853 had their reports disseminated to third parties. The Court determined that only those who suffered concrete harm had standing to seek damages.
Holding
The single most important “bottom line” of what the Court decided in TransUnion LLC v. Ramirez.
The Court held that only plaintiffs concretely harmed by a defendant's statutory violation have Article III standing to seek damages in federal court.
Constitutional Concepts
These are the Constitution-related themes that appear in TransUnion LLC v. Ramirez. Click a concept to see other cases that involve the same idea.
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Why Standing is relevant to TransUnion LLC v. Ramirez
The Court's decision focused on whether the plaintiffs had Article III standing, specifically whether they suffered a concrete injury.
Syllabus excerpt (verbatim)Held: Only plaintiffs concretely harmed by a defendant's statutory violation have Article III standing to seek damages against that private defendant in federal court.
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Why Judicial Review is relevant to TransUnion LLC v. Ramirez
The Court reviewed the lower court's decision on the standing of plaintiffs, which is an exercise of judicial review.
Syllabus excerpt (verbatim)The District Court ruled that all class members had Article III standing on each of the three statutory claims.
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Why Procedural Due Process is relevant to TransUnion LLC v. Ramirez
The case involved the procedures required to ensure accuracy in credit reporting, which relates to procedural due process.
Syllabus excerpt (verbatim)A class of 8,185 individuals with OFAC alerts in their credit files sued TransUnion under the Fair Credit Reporting Act for failing to use reasonable procedures to ensure the accuracy of their credit files.
Key Quotes
Short excerpts from the syllabus in TransUnion LLC v. Ramirez that support the summary and concepts above.
Only plaintiffs concretely harmed by a defendant's statutory violation have Article III standing to seek damages.
Article III standing requires a concrete injury even in the context of a statutory violation.
The risk of future harm cannot supply the basis for their standing.
