Duvernois v. Equifax Information Services LLC et al
| Marie Duvernois |
| Experian Information Solutions Inc, National Credit Adjusters LLC and Synchrony Financial doing business as Synchrony Bank |
| Gregory P. Holder |
| 8:2026cv02078 |
| July 20, 2026 |
| U.S. District Court for the Middle District of Florida |
| Virginia M Hernandez Covington |
| Anthony E Porcelli |
| Consumer Credit |
| 15 U.S.C. § 1681 Fair Credit Reporting Act |
| Plaintiff |
Docket Report
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This docket was last retrieved on September 17, 2026. A more recent docket listing may be available from PACER.
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| Filing 51 NOTICE of settlement jointly filed by Plaintiff and Defendant Experian Information Solutions, Inc., ONLY by Marie Duvernois (Rashid, Talal) |
| Filing 50 Unopposed MOTION for Extension of Time to Amend re #24 Case Management Scheduling Order to Extend Mediation Deadline by Marie Duvernois. (Rashid, Talal) |
Filing 49
ENDORSED ORDER: Pursuant to the stipulation of dismissal as to Defendant Trans Union LLC only (Doc. #46), the claims against Trans Union only are dismissed with prejudice with each party to bear their own attorney's fees and costs. Signed by Judge Virginia M. Hernandez Covington on 9/15/2026. (MD)
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Filing 48
ENDORSED ORDER granting Defendant's unopposed motion for extension of time to respond to the complaint. (Doc. #43). Response now due October 8, 2026. Signed by Judge Virginia M. Hernandez Covington on 9/15/2026. (MD)
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Filing 47
ENDORSED ORDER: On the basis of the Joint Notice of Settlement as to defendant Equifax Information Services LLC (Doc. #45), this cause is hereby dismissed as to defendant Equifax Information Services LLC, only, without prejudice and subject to the right of the parties, within 60 days of the date hereof, to submit a stipulated form of final order or judgment, or request an extension of time, should they so choose or for any party to move to reopen the action, upon good cause being shown. After that 60-day period, however, without further order, this dismissal shall be deemed with prejudice. Furthermore, the Court advises the parties that "good cause" exists to reopen an action when a settlement agreement has yet to be finalized because of various delays. But incomplete performance of an executed settlement agreement, such as the failure to disburse settlement funds, does not constitute good cause to reopen an action. This Court does not retain jurisdiction to ensure performance of a settlement agreement or consent judgment because such failure to perform should be addressed in a separate breach of contract action. The case remains open as to the claims against the remaining defendants. Signed by Judge Virginia M. Hernandez Covington on 9/15/2026. (MD)
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| Filing 46 STIPULATION of Dismissal jointly filed by the parties for Defendant Trans Union LLC, ONLY by Marie Duvernois. (Rashid, Talal) |
| Filing 45 Joint NOTICE of Settlement Regarding Equifax Information Services, LLC by Marie Duvernois (Rashid, Talal) Modified on 9/15/2026 as to docket text (LJC). |
| Filing 44 ANSWER and affirmative defenses to #41 Amended Complaint by Experian Information Solutions Inc.(Ruiz, Maria) |
| Filing 43 Unopposed MOTION for Extension of Time to File Answer re #41 Amended Complaint by Synchrony Financial. (Mike, Kirwinn) |
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Filing 42
ENDORSED ORDER ruling on Defendant Synchrony Financial's motion to dismiss the complaint. (Doc. #31). As Plaintiff has now filed an amended complaint (Doc. #41), the Court denies the motion as moot. Signed by Judge Virginia M. Hernandez Covington on 9/4/2026. (MEG)
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| Filing 41 AMENDED COMPLAINT against Equifax Information Services, LLC, Experian Information Solutions Inc, National Credit Adjusters LLC, Synchrony Financial, Trans Union LLC with Jury Demand. filed by Marie Duvernois. Related document: #1 Complaint filed by Marie Duvernois.(Rashid, Talal) |
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Filing 40
ENDORSED ORDER: On the basis of the plaintiff's Notice of Settlement as to defendant Trans Union LLC, (Doc. #39), this cause is hereby dismissed as to defendant Trans Union LLC, only, without prejudice and subject to the right of the parties, within 60 days of the date hereof, to submit a stipulated form of final order or judgment, or request an extension of time, should they so choose or for any party to move to reopen the action, upon good cause being shown. After that 60-day period, however, without further order, this dismissal shall be deemed with prejudice. Furthermore, the Court advises the parties that "good cause" exists to reopen an action when a settlement agreement has yet to be finalized because of various delays. But incomplete performance of an executed settlement agreement, such as the failure to disburse settlement funds, does not constitute good cause to reopen an action. This Court does not retain jurisdiction to ensure performance of a settlement agreement or consent judgment because such failure to perform should be addressed in a separate breach of contract action. The case remains open as to the claims against the remaining defendants. Signed by Judge Virginia M. Hernandez Covington on 8/27/2026. (MEG)
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| Filing 39 NOTICE of settlement jointly filed by Plaintiff and Defendant Trans Union LLC, only by Marie Duvernois (Rashid, Talal) Modified text on 8/28/2026 (LAW). |
| Filing 38 Clerk's ENTRY OF DEFAULT as to National Credit Adjusters LLC. (LV) |
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Filing 37
ENDORSED ORDER granting #35 Motion for Clerk's Entry of Default against National Credit Adjusters LLC. Signed by Magistrate Judge Anthony E. Porcelli on 8/21/2026. (LV)
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| Filing 36 RESPONSE TO ORDER TO SHOW CAUSE re 34 Order filed by Marie Duvernois. (Rashid, Talal) |
| Filing 35 MOTION for Clerk's Entry of Default against National Credit Adjusters LLC by Marie Duvernois. (Rashid, Talal) Motions referred to Magistrate Judge Anthony E. Porcelli. |
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Filing 34
ENDORSED ORDER: The deadline for Defendant National Credit Adjusters LLC to respond to the Complaint was August 14, 2026. Fed. R. Civ. P. 12(a)(1)(A)(i). Yet, no response has been filed. And Plaintiff has not promptly applied to the Clerk for entry of Clerk's default. See Local Rule 1.10(b) & (d) (setting the deadline to apply for entry of Clerk's default and providing that "[f]ailure to comply with a deadline in this rule can result in dismissal of the claim or action without notice and without prejudice"). Accordingly, Plaintiff is directed to show cause by August 26, 2026, why this case should not be dismissed as to Defendant National Credit Adjusters LLC for failure to prosecute. Signed by Judge Virginia M. Hernandez Covington on 8/19/2026. (MEG)
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Filing 33
ENDORSED ORDER granting Defendant Trans Union LLC's unopposed motion for an extension of time to respond to the complaint. (Doc. #32). Defendant Trans Union LLC's response is now due September 3, 2026. Signed by Judge Virginia M. Hernandez Covington on 8/17/2026. (MEG)
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| Filing 32 Unopposed MOTION for Extension of Time to File Response to Plaintiff's Complaint by Trans Union LLC. (Silva, Victor) |
| Filing 31 MOTION to Dismiss Plaintiff's Complaint by Synchrony Financial. (Mike, Kirwinn) |
| Filing 30 NOTICE of Appearance by Kirwinn Mike on behalf of Synchrony Financial (Mike, Kirwinn) |
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Filing 29
ENDORSED ORDER granting Defendant Experian Information Solutions Inc.'s unopposed motion for an extension of time to respond to the complaint. (Doc. #28). Defendant Experian Information Solutions Inc.'s response is now due September 14, 2026. Signed by Judge Virginia M. Hernandez Covington on 8/12/2026. (MEG)
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| Filing 28 Unopposed MOTION for Extension of Time to File Answer re #1 Complaint by Experian Information Solutions Inc. (Ruiz, Maria) |
| Filing 27 NOTICE of a related action per Local Rule 1.07(c) by Experian Information Solutions Inc. Related case(s): No (Ruiz, Maria) |
| Filing 26 DISCLOSURE STATEMENT under Rule 7.1, Federal Rules of Civil Procedure, and Local Rule 3.03 by Experian Information Solutions Inc identifying Corporate Parent Experian plc, Other Affiliate Central Source LLC, Other Affiliate Online Data Exchange LLC, Other Affiliate New Management Services LLC, Other Affiliate VantageScore Solutions LLC, Other Affiliate Opt-Out Services LLC for Experian Information Solutions Inc. (Ruiz, Maria) Modified text on 8/13/2026 (SJD). |
| Filing 25 NOTICE of Lead Counsel Designation by Maria Helena Ruiz on behalf of Experian Information Solutions Inc. Lead Counsel: Maria H. Ruiz. (Ruiz, Maria) Modified to correct name of Defendant (per attorney's call) on 8/13/2026 (AM). |
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Filing 24
SCHEDULING ORDER: The parties are directed to adhere to the Court's Scheduling Order. This action is hereby referred to Gregory P. Holder for mediation. The parties must mediate no later than December 14, 2026. Lead Counsel shall file a notice of mediation informing the Court as to the date, time, and location of mediation by September 28, 2026. Neither party may reschedule or cancel the mediation conference once it is set; leave of Court must be obtained before the mediation conference may be rescheduled or cancelled. The parties shall not mediate until the information exchange outlined in the Scheduling Order is completed. Absent compelling circumstances and leave of Court, lead counsel must appear at the mediation conference. Lead Counsel shall file a notice informing the Court as to the results of mediation within 24 hours of the mediation conference. In the event mediation results in an impasse, the parties must file their jointly-prepared fast-track case management report within 24 hours of the mediation conference. Upon review of the jointly-prepared case management report, the Court will determine whether a case management hearing is necessary. If a case management hearing is necessitated, the Court will set the hearing by separate notice. Furthermore, if mediation results in an impasse, the Court intends to schedule this action for trial within 90-120 days from the mediation conference. Signed by Judge Virginia M. Hernandez Covington on 8/3/2026. (GSO)
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| Filing 23 RETURN of service executed on 7/23/2026 by Marie Duvernois as to Synchrony Financial. (Rashid, Talal) |
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Filing 22
ENDORSED ORDER: Plaintiff is directed to file the return of service on Defendant Synchrony Financial by August 6, 2026, if Plaintiff has already served that party. If Plaintiff has not yet served Defendant Synchrony Financial, Plaintiff is directed to file a status report on the efforts to perfect service of process on Synchrony Financial by August 6, 2026. Signed by Judge Virginia M. Hernandez Covington on 7/30/2026. (MEG)
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| Filing 21 DISCLOSURE STATEMENT under Rule 7.1, Federal Rules of Civil Procedure, and Local Rule 3.03 by Synchrony Financial identifying Corporate Parent Synchrony Bank for Synchrony Financial.. (Bowyer, Jason) |
| Filing 20 NOTICE of Appearance by Steffanny Acevedo-Perez on behalf of Synchrony Financial (Acevedo-Perez, Steffanny) |
| Filing 19 NOTICE of Appearance by Jason Richard Bowyer on behalf of Synchrony Financial (Bowyer, Jason) |
| Filing 18 RETURN of service executed on 7/24/2026 by Marie Duvernois as to National Credit Adjusters LLC. (Rashid, Talal) |
| Filing 17 RETURN of service executed on 7/24/2026 by Marie Duvernois as to Trans Union LLC. (Rashid, Talal) |
| Filing 16 RETURN of service executed on 7/23/2026 by Marie Duvernois as to Experian Information Solutions Inc. (Rashid, Talal) |
| Filing 15 RETURN of service executed on 7/24/2026 by Marie Duvernois as to Equifax Information Services LLC. (Rashid, Talal) |
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Filing 14
ENDORSED ORDER: Plaintiff is directed to file the return of service on Defendant Equifax Information Services LLC by August 4, 2026. Signed by Judge Virginia M. Hernandez Covington on 7/28/2026. (MEG)
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Filing 13
ENDORSED ORDER granting Defendant Equifax Information Services LLC's unopposed motion for an extension of time to respond to the complaint. (Doc. #10). Defendant Equifax Information Services LLC's response is now due September 14, 2026. Signed by Judge Virginia M. Hernandez Covington on 7/28/2026. (MEG)
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| Filing 12 DISCLOSURE STATEMENT under Rule 7.1, Federal Rules of Civil Procedure, and Local Rule 3.03 by Equifax Information Services LLC identifying Corporate Parent Equifax, Inc. for Equifax Information Services LLC.. (Joffe, Jason) |
| Filing 11 NOTICE of a related action per Local Rule 1.07(c) by Equifax Information Services LLC. Related case(s): No (Joffe, Jason) |
| Filing 10 Unopposed MOTION for Extension of Time to File Answer re #1 Complaint by Equifax Information Services LLC. (Joffe, Jason) |
| Filing 9 NOTICE of Lead Counsel Designation by Jason Daniel Joffe on behalf of Equifax Information Services LLC. Lead Counsel: Jason D. Joffe. (Joffe, Jason) |
| Filing 8 DISCLOSURE STATEMENT under Rule 7.1, Federal Rules of Civil Procedure, and Local Rule 3.03 by Marie Duvernois. (Rashid, Talal) |
| Filing 7 NOTICE of a related action per Local Rule 1.07(c) by Marie Duvernois. Related case(s): No (Rashid, Talal) |
| Filing 6 NOTICE of Lead Counsel Designation by Talal Rashid on behalf of Marie Duvernois. Lead Counsel: Talal Rashid, Esq.. (Rashid, Talal) |
| Filing 5 NOTICE of Local Rule 1.07(c) and Local Rule 3.03. -Local Rule 1.07(c) requires lead counsel to file promptly a Notice of a Related Action identifying and describing any related action either pending or closed in the Middle District or elsewhere. -Local Rule 3.03 requires each party to file a disclosure statement. Counsel must make their disclosures using the standard court form. The Disclosure Statement form can be found at www.flmd.uscourts.gov. (Signed by Deputy Clerk). (GSO) |
| Filing 4 SUMMONS issued as to Equifax Information Services LLC, Experian Information Solutions Inc, National Credit Adjusters LLC, Synchrony Financial, Trans Union LLC. (CTR) |
| Filing 3 NEW CASE ASSIGNED to Judge Virginia M. Hernandez Covington and Magistrate Judge Anthony E. Porcelli. New case number: 8:26-cv-02078-VMC-AEP. (CTR) |
| Filing 2 NOTICE of Local Rule 2.02(a), which states, "The first paper filed on behalf of a party must designate only one lead counsel who - unless the party changes the designation - remains lead counsel throughout the action." Counsel must file a Notice of Lead Counsel Designation identifying lead counsel. (Signed by Deputy Clerk). (CTR) |
| Filing 1 COMPLAINT against Equifax Information Services LLC, Experian Information Solutions Inc, National Credit Adjusters LLC, Synchrony Financial d/b/a Synchrony Bank, Trans Union LLC with Jury Demand (Filing fee $405 receipt number AFLMDC-25280053) filed by Marie Duvernois. (Attachments: #1 Civil Cover Sheet, #2 Proposed Summons Equifax, #3 Proposed Summons Experian, #4 Proposed Summons Trans Union, #5 Proposed Summons Synchrony, #6 Proposed Summons NCA)(Rashid, Talal) Modified duplicate text on 7/21/2026 (CTR). |
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