Coral v. American Express National Bank et al
| Lucely Coral |
| American Express National Bank, EXPERIAN INFORMATION SOLUTIONS, INC and EQUIFAX INFORMATION SERVICES LLC, |
| 0:2026cv60004 |
| January 3, 2026 |
| U.S. District Court for the Southern District of Florida |
| Raag Singhal |
| Jared M Strauss |
| Consumer Credit |
| 15 U.S.C. § 1681 Fair Credit Reporting Act |
| Defendant |
Docket Report
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Filing 67
CONFIDENTIALITY ORDER; granting #66 Joint Motion for Confidentiality Order (with modifications). Signed by Magistrate Judge Jared M. Strauss on 6/29/2026. See attached document for full details. (emd)
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| Filing 66 Joint MOTION for Confidentiality Order by Lucely Coral. Responses due by 7/13/2026. (Attachments: #1 Exhibit)(Rajabalee, Kevin) |
| Filing 65 NOTICE of Attorney Appearance by Joel David Lucoff on behalf of Lucely Coral. Attorney Joel David Lucoff added to party Lucely Coral(pty:pla). (Lucoff, Joel) |
| Filing 64 NOTICE of Striking #62 Notice of Attorney Appearance filed by Lucely Coral by Lucely Coral (Rajabalee, Kevin) |
| Filing 63 Clerk's Notice to Filer re #62 Notice of Attorney Appearance. Login/Signature Block Violation; CORRECTIVE ACTION REQUIRED WITHIN 3 DAYS - The name of attorney e-filing this document via their CM/ECF login does not match the name of attorney on the signature block of the document. The name used for login must match typed name on signature block of the document. This filing is a violation of Section 3J(1) of CM/ECF Admin Procedures and LR 5.1(b). Filer must File a Notice of Striking, then refile document pursuant to CM/ECF Admin Procedures and Local Rules. (drz) |
| Filing 62 Stricken-NOTICE of Attorney Appearance by Kevin Rajabalee on behalf of Lucely Coral (Rajabalee, Kevin) Modified per de #64 on 6/29/2026 (drz). |
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Filing 61
PAPERLESS ORDER granting #60 Unopposed Motion for Extension of Time. By 6/29/2026, the parties shall finalize and execute their confidentiality stipulation. If the parties seek the entry of an order approving their confidentiality stipulation, they shall file a joint motion in accordance with Section III of #36 Discovery Procedures Order ("DPO") by 6/29/2026. In the event the parties' entry into the confidentiality stipulation does not fully resolve the discovery disputes between Plaintiff and Equifax (the disputes described in DE #55 ), then Plaintiff and Equifax shall: (1) further confer in good faith by telephone regarding each and every remaining dispute; and (2) file, by 7/2/2026, a Joint Discovery Status Report ("JDSR"), as described in section II.D of the DPO, regarding the disputes raised in DE #55 . As set forth in the DPO, a courtesy copy of any JDSR must be emailed to chambers in Word format. Upon reviewing any JDSR, the Court will issue a ruling (treating the JDSR as Plaintiff's motion to compel and Equifax's response), schedule a hearing, or issue further instructions. If Plaintiff and Equifax resolve their discovery disputes, they shall promptly (but not later than 7/2/2026) file a joint notice of resolution of discovery disputes. Signed by Magistrate Judge Jared M. Strauss on 6/22/2026. (emd)
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| Filing 60 Unopposed MOTION for Extension of Time to submit Confidentiliality Stipulation b/w PL and EFX re 58 Order on Motion for Discovery,,,,,,, Order on Motion for Hearing,,,,,, by Lucely Coral. Responses due by 7/6/2026. (Rajabalee, Kevin) |
| Filing 59 ANSWER and Affirmative Defenses to Amended Complaint by American Express National Bank. (Frontino, Brian) |
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Filing 58
PAPERLESS ORDER denying without prejudice Plaintiff's request for discovery hearing (DE #55 /57). The Notice of Discovery Dispute (DE #55 ) indicates that the parties believe their discovery disputes will be resolved as a result of their agreement to enter into a confidentiality stipulation. Therefore, by 6/22/2026, the parties shall finalize and execute their confidentiality stipulation. If the parties seek the entry of an order approving their confidentiality stipulation, they shall file a joint motion in accordance with Section III of #36 Discovery Procedures Order ("DPO") by 6/22/2026. In the event the parties' entry into the confidentiality stipulation does not fully resolve the discovery disputes between Plaintiff and Equifax (the disputes described in DE #55 ), then Plaintiff and Equifax shall: (1) further confer in good faith by telephone regarding each and every remaining dispute; and (2) file, by 6/26/2026, a Joint Discovery Status Report ("JDSR"), as described in section II.D of the DPO, regarding the disputes raised in DE #55 . As set forth in the DPO, a courtesy copy of any JDSR must be emailed to chambers in Word format. Upon reviewing any JDSR, the Court will issue a ruling (treating the JDSR as Plaintiff's motion to compel and Equifax's response), schedule a hearing, or issue further instructions. If Plaintiff and Equifax resolve their discovery disputes, they shall promptly (but not later than 6/26/2026) file a joint notice of resolution of discovery disputes. Signed by Magistrate Judge Jared M. Strauss on 6/15/2026. (emd)
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| Filing 57 Request for discovery hearing received from Plaintiff (DE #55 ). (emd) |
| Filing 56 Amended ANSWER and Affirmative Defenses to Amended Complaint by EXPERIAN INFORMATION SOLUTIONS, INC. (Ruiz, Maria) |
| Filing 55 Plaintiff's NOTICE of Discovery dispute with Equifax by Lucely Coral re #36 Order (Rajabalee, Kevin) |
| Filing 54 ANSWER and Affirmative Defenses to Amended Complaint by EXPERIAN INFORMATION SOLUTIONS, INC. (Ruiz, Maria) |
| Filing 53 ANSWER and Affirmative Defenses to Amended Complaint by EQUIFAX INFORMATION SERVICES LLC,. (Vacante, Paige) |
| Filing 52 NOTICE of Attorney Appearance by Paige Elizabeth Vacante on behalf of EQUIFAX INFORMATION SERVICES LLC,. Attorney Paige Elizabeth Vacante added to party EQUIFAX INFORMATION SERVICES LLC,(pty:dft). (Vacante, Paige) |
| Filing 51 AMENDED COMPLAINT against All Defendants filed in response to Order Granting Motion for Leave, filed by Lucely Coral.(Rajabalee, Kevin) |
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Filing 50
ORDER granting (DE #42 ) Motion. Plaintiff shall file her Amended Complaint as a separate docket entry by June 1, 2026. Clerks Notice: Filer must separately re-file the amended pleading pursuant to Local Rule 15.1, unless otherwise ordered by the Judge. Signed by Judge Raag Singhal on 5/29/2026. See attached document for full details. (imy)
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Filing 49
PAPERLESS ORDER STRIKING DE #46 , #47 , and #48 . See S.D. Fla. L.R. 26.1(b) (emphasis added) ("[T]he following discovery requests, responses, objections, notices or any associated proof of service shall not be filed until they are used in the proceeding or the court orders their filing:... (5) notices of taking depositions or notices of serving subpoenas...." Signed by Magistrate Judge Jared M. Strauss on 5/29/2026. (emd)
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| Filing 48 STRICKEN: ACKNOWLEDGMENT OF SERVICE filed by Lucely Coral. (Rajabalee, Kevin) Modified text per DE #49 ORDER on 5/29/2026 (caw). |
| Filing 47 STRICKEN: ACKNOWLEDGMENT OF SERVICE filed by Lucely Coral. (Rajabalee, Kevin) Modified text per DE #49 ORDER on 5/29/2026 (caw). |
| Filing 46 STRICKEN: ACKNOWLEDGMENT OF SERVICE filed by Lucely Coral. (Rajabalee, Kevin) Modified text per DE #49 ORDER on 5/29/2026 (caw). |
| Filing 45 Plaintiff's REPLY in Support of Motion re #42 Unopposed MOTION to Amend/Correct #1 Complaint, . filed by Lucely Coral. (Rajabalee, Kevin) |
| Filing 44 RESPONSE in Opposition re #42 Unopposed MOTION to Amend/Correct #1 Complaint, filed by American Express National Bank. Replies due by 5/21/2026. (Frontino, Brian) |
| Set/Reset Deadlines/Hearings as to #42 Unopposed MOTION to Amend/Correct #1 Complaint, per DE #43 ORDER: Responses due by 5/14/2026. (caw) |
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Filing 43
PAPERLESS ORDER expediting Defendant American Express National Bank's response to #42 Plaintiff's Motion for Leave to File the First Amended Complaint. Defendant American Express National Bank shall file a response by May 14, 2026. Signed by Judge Raag Singhal on 5/8/2026. (imy)
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| Filing 42 Unopposed MOTION to Amend/Correct #1 Complaint, by Lucely Coral. Responses due by 5/21/2026. (Attachments: #1 Exhibit 1st amended complaint)(Rajabalee, Kevin) |
| Filing 41 CLERK'S NOTICE - Attorney Admissions has accepted the address information change request as submitted through attorneys PACER account for attorney Maria Helena Ruiz (pt) |
| Filing 40 NOTICE of Change of Address/Contact Information; by Maria Helena Ruiz (Ruiz, Maria) |
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Filing 39
PAPERLESS ORDER Scheduling Mediation via Zoom before Mediator Gregory P. Holder on 11/20/2026 at 1:30 PM. All parties and counsel must appear. A mediation report shall be filed by 11/23/2026. Signed by Magistrate Judge Jared M. Strauss on 4/14/2026. (emd)
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| Filing 38 NOTICE of Mediator Selection and Hearing. Selected/Added Lucely Coral, Gregory P. Holder as Mediator. Mediation Hearing set for November 20, 2026, 1:30 P.M.. (Rajabalee, Kevin) |
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Filing 37
ORDER SETTING PRETRIAL DEADLINES. (Amended Pleadings due by 5/7/2026., Discovery due by 11/18/2026., Expert Discovery due by 11/18/2026., Joinder of Parties due by 5/7/2026., Dispositive Motions due by 12/3/2026., In Limine Motions due by 1/6/2027., Motions due by 12/3/2026., Pretrial Stipulation due by 2/19/2027.) Signed by Magistrate Judge Jared M. Strauss on 3/23/2026. See attached document for full details. (emd)
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Filing 36
DISCOVERY PROCEDURES ORDER. Signed by Magistrate Judge Jared M. Strauss on 3/23/2026. See attached document for full details. (emd)
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Filing 35
PAPERLESS ORDER REFERRING CASE to Mediation. By 4/15/2026, the parties shall select a mediator pursuant to Local Rule 16.2, shall schedule a time, date, and place for mediation, and shall jointly file a notice and proposed order scheduling mediation via CM/ECF in the form specified on the Court's website, http://www.flsd.uscourts.gov. The parties shall complete mediation by 11/25/2026. If the parties cannot agree on a mediator, they shall notify the Clerk in writing as soon as possible, and the Clerk shall designate a certified mediator on a blind rotation basis. Counsel for all parties shall familiarize themselves with and adhere to all provisions of Local Rule 16.2. Within three (3) days of mediation, the parties are required to file a mediation report with the Court. Signed by Magistrate Judge Jared M. Strauss on 3/23/2026. (emd)
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Filing 34
ORDER SETTING TRIAL, GENERAL INSTRUCTIONS, AND REFERRING CERTAIN MATTERS TO MAGISTRATE JUDGE: ( Jury Trial set for 3/8/2027 09:00 AM in Fort Lauderdale Division before Judge Raag Singhal., Calendar Call set for 3/3/2027 02:00 PM before Judge Raag Singhal.). Signed by Judge Raag Singhal on 3/20/2026. See attached document for full details. (drz) #Pattern Jury Instruction Builder - To access the latest, up to date changes to the 11th Circuit Pattern Jury Instructions go to https://pji.ca11.uscourts.gov or click here.
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| Filing 33 Joint SCHEDULING REPORT - Rule 26(f) by Lucely Coral (Rajabalee, Kevin) |
| Filing 32 Certificate of Other Affiliates/Corporate Disclosure Statement by American Express National Bank identifying Corporate Parent American Express Company, Other Affiliate American Express Travel Related Services Company, Inc., Other Affiliate Berkshire Hathaway for American Express National Bank (Frontino, Brian) |
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Filing 30
Order Requiring Joint Scheduling Report. Joint Scheduling Report due by 3/20/2026 Signed by Judge Raag Singhal on 2/27/2026. See attached document for full details. (drz)
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| Filing 31 Clerk's Notice to Filer re #29 Certificate of Other Affiliates/Corporate Disclosure Statement. Other Affiliates/Corporate Parents Not Entered; ERROR - The Filer failed to enter all Other Affiliates/Corporate Parents from the Certificate of Other Affiliates/Corporate Disclosure Statement. Filer is instructed to refile their Certificate of Other Affiliates/Corporate Disclosure Statement and enter the missing Other Affiliates/Corp Parents. Note - Other Affiliates/Corporate Parents do not appear on the docket sheet. (drz) |
| Filing 29 Certificate of Other Affiliates/Corporate Disclosure Statement by American Express National Bank identifying Corporate Parent American Express Company for American Express National Bank (Frontino, Brian) |
| Filing 28 ANSWER and Affirmative Defenses to Complaint by American Express National Bank. (Frontino, Brian) |
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Filing 27
Order Dismissing Party Trans Union LLC Without Prejudice re #26 Stipulation of Dismissal Signed by Judge Raag Singhal on 2/26/2026. See attached document for full details. (drz)
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| Filing 26 STIPULATION of Dismissal WITHOUT PREJUDICE by Lucely Coral (Rajabalee, Kevin) |
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Filing 25
PAPERLESS ORDER granting in part and denying in part #24 Unopposed Motion of Defendant American Express National Bank for Further Extension of Time to Respond to Complaint. This Court extended the deadline for all Defendants to respond to February 16, 2026. On February 18, 2026, American Express National Bank requested a fourteen-day extension. As this Court has previously stated: "A motion for extension of time is not self-executing; no motion is, unless expressly provided for by the applicable rule. Yet, by filing these motions on or near the last day, and then sitting idle 'pending the Court's disposition of the motion,' parties essentially grant their own motion. The Court will not condone this." Compere v. Nusret Miami, LLC, 2020 WL 2844888, *2 (S.D. Fla. May 7, 2020) (internal citations omitted). Considering that counsel has already essentially given themselves a two-day extension by requesting this extension late, American Express National Bank shall file its response by February 26, 2026. Signed by Judge Raag Singhal on 2/18/2026. (imy)
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| Filing 24 Unopposed MOTION for Extension of Time to File Response/Reply/Answer as to #1 Complaint, by American Express National Bank. Responses due by 3/4/2026. (Attachments: #1 Text of Proposed Order)(Frontino, Brian) |
| Filing 23 ANSWER and Affirmative Defenses to Complaint by EXPERIAN INFORMATION SOLUTIONS, INC. (Ruiz, Maria) |
| Filing 22 ANSWER and Affirmative Defenses to Complaint with Jury Demand by EQUIFAX INFORMATION SERVICES LLC,. (Joffe, Jason) |
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Filing 21
PAPERLESS ORDER denying extension of time requests #18 and #19 in light of this Court's Order 14 extending the deadline for all Defendants to respond to February 16, 2026. If another extension is necessary, Defendants can request one at a later date. Signed by Judge Raag Singhal on 2/2/2026. (imy)
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| Filing 20 Corporate Disclosure Statement 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 Opt-Out Services LLC, Other Affiliate VantageScore Solutions LLC for EXPERIAN INFORMATION SOLUTIONS, INC (Ruiz, Maria) |
| Filing 19 Unopposed MOTION for Extension of Time to File Response/Reply/Answer as to #1 Complaint, by EXPERIAN INFORMATION SOLUTIONS, INC. Attorney Maria Helena Ruiz added to party EXPERIAN INFORMATION SOLUTIONS, INC(pty:dft). Responses due by 2/12/2026. (Attachments: #1 Text of Proposed Order)(Ruiz, Maria) |
| Filing 18 Unopposed MOTION for Extension of Time to File Response/Reply/Answer as to #1 Complaint, by American Express National Bank. Attorney Brian C Frontino added to party American Express National Bank (pty:dft). Responses due by 2/12/2026. (Attachments: #1 Text of Proposed Order Proposed Order)(Frontino, Brian) |
| Filing 17 Certificate of Other Affiliates/Corporate Disclosure Statement by Lucely Coral (Rajabalee, Kevin) |
| Filing 16 Certificate of Other Affiliates/Corporate Disclosure Statement by Trans Union LLC identifying Corporate Parent TransUnion Intermediate Holdings, Inc., Corporate Parent TransUnion, Other Affiliate Massachusetts Financial Services Company for Trans Union LLC (Long, Charlotte) |
| Filing 15 ANSWER and Affirmative Defenses to Complaint by Trans Union LLC. Attorney Charlotte Ann Long added to party Trans Union LLC(pty:dft). (Long, Charlotte) |
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Filing 14
PAPERLESS ORDER granting in part and denying in part #12 Defendant Equifax Information Services LLC's Unopposed Motion for Extension of Time to Respond to Complaint. All Defendants shall respond to the Complaint by February 16, 2026. Defendants are reminded to in the future file joint motions unless there is a clear conflict. See 4 . Signed by Judge Raag Singhal on 1/25/2026. (imy)
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| Filing 13 Certificate of Other Affiliates/Corporate Disclosure Statement by EQUIFAX INFORMATION SERVICES LLC, identifying Corporate Parent Equifax Inc. for EQUIFAX INFORMATION SERVICES LLC, (Joffe, Jason) |
| Filing 12 Unopposed MOTION for Extension of Time to File Response/Reply/Answer as to #1 Complaint, by EQUIFAX INFORMATION SERVICES LLC,. Attorney Jason Daniel Joffe added to party EQUIFAX INFORMATION SERVICES LLC,(pty:dft). (Attachments: #1 Text of Proposed Order)(Joffe, Jason) |
| Filing 11 SUMMONS (Affidavit) Returned Executed on #1 Complaint, with a 21 day response/answer filing deadline pursuant to Fed. R. Civ. P. 12 by Lucely Coral. American Express National Bank served on 1/9/2026, response/answer due 1/30/2026. (Rajabalee, Kevin) |
| Filing 10 SUMMONS (Affidavit) Returned Executed on #1 Complaint, with a 21 day response/answer filing deadline pursuant to Fed. R. Civ. P. 12 by Lucely Coral. EXPERIAN INFORMATION SOLUTIONS, INC served on 1/8/2026, response/answer due 1/29/2026. (Rajabalee, Kevin) |
| Filing 9 SUMMONS (Affidavit) Returned Executed on #1 Complaint, with a 21 day response/answer filing deadline pursuant to Fed. R. Civ. P. 12 by Lucely Coral. Trans Union LLC served on 1/6/2026, response/answer due 1/27/2026. (Rajabalee, Kevin) |
| Filing 8 SUMMONS (Affidavit) Returned Executed on #1 Complaint, with a 21 day response/answer filing deadline pursuant to Fed. R. Civ. P. 12 by Lucely Coral. EQUIFAX INFORMATION SERVICES LLC, served on 1/6/2026, response/answer due 1/27/2026. (Rajabalee, Kevin) |
| Filing 7 Summons Issued as to American Express National Bank. (drz) |
| Filing 6 NOTICE of Filing Proposed Summons(es) by Lucely Coral (Attachments: #1 Summon(s)) (Rajabalee, Kevin) |
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Filing 5
PAPERLESS ORDER TO FILE CERTIFICATE OF INTERESTED PERSONSWithin SEVEN (7) DAYS of entry of an appearance, each party, including governmental parties, must file certificates of interested parties and corporate disclosure statements that contain a complete list of persons, associated persons, firms, partnerships, or corporations that have a financial interest in the outcome of this case, including subsidiaries, conglomerates, affiliates, parent corporations, and other identifiable legal entities related to a party. The parties shall not include Judge Singhal or the paired magistrate judges as interested parties unless they have an interest in the litigation. Throughout the pendency of the action, the parties are under a continuing obligation to amend, correct, and update the certificates. Signed by Judge Raag Singhal on 1/6/2026. (imy)
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| Filing 4 NOTICE OF COURT PRACTICEUnless otherwise specified by the Court, every motion, legal memorandum, brief, and otherwise shall: be double-spaced, in justified alignment, in 12-point font, using either Times New Roman or Arial typeface. This Notice does not supplant the requirements and provisions of Local Rule 7.1(c). The Court cautions parties against excessive use of footnotes.Multiple Plaintiffs or Defendants shall file joint motions (and responses to motions) with co-parties unless there are clear conflicts of position. If conflicts of position exist, parties shall explain the conflicts in their separate motions (and responses). Motions for Extension of Time Parties are encouraged to seek extensions of time in a timely fashion. "A motion for extension of time is not self-executing; no motion is, unless expressly provided for by the applicable rule. Yet, by filing these motions on or near the last day, and then sitting idle pending the Court's disposition of the motion, parties essentially grant their own motion. The Court will not condone this." Compere v. Nusret Miami, LLC, 2020 WL 2844888, at *2 (S.D. Fla. May 7, 2020) (internal citations omitted). Labeling Exhibits on CM/ECF Exhibits to pleadings and motions shall be docketed in accordance with the Court's CM/ECF procedures, Rule 3L.(2): (2) Describing an Attachment to a Docket EntryA party filing an attachment to a document shall select one of the prescribed attachment categories from the drop-down menu (e.g., affidavit, transcript), provide an alphabetical or numerical designation (e.g., Exhibit A, Exhibit 1), and descriptively name each attachment (e.g., Exhibit 1 - Affidavit of Boo Radley) in a manner that enables the Court to easily locate and distinguish attachments. (Emphasis added.) Notices of Settlement Local Rule 16.4, Local Rules for the United States District Court for the Southern District of Florida, requires that a Notice of Settlement "shall be filed and served jointly by counsel for all parties to the settlement." A unilateral notice of settlement will not stay pre-trial deadlines or hearings.Failure to comply with any of these procedures may result in the imposition of appropriate sanctions. Signed by Judge Raag Singhal on 1/6/2026. (imy) |
| Filing 3 Summons Issued as to EQUIFAX INFORMATION SERVICES LLC, EXPERIAN INFORMATION SOLUTIONS, INC, and Trans Union LLC. (caw) |
| Filing 2 Clerk's Notice of Judge Assignment to Judge Raag Singhal. Pursuant to 28 USC 636(c), the parties are hereby notified that the U.S. Magistrate Judge Jared M. Strauss is available to handle any or all proceedings in this case. If agreed, parties should complete and file the Consent form found on our website. It is not necessary to file a document indicating lack of consent. Pro se (NON-PRISONER) litigants may receive Notices of Electronic Filings (NEFS) via email after filing a Consent by Pro Se Litigant (NON-PRISONER) to Receive Notices of Electronic Filing. The consent form is available under the forms section of our website. (caw) |
| Filing 1 COMPLAINT with Jury Demand against All Defendants. Filing fees $ 405.00 receipt number AFLSDC-19085328, filed by Lucely Coral. (Attachments: #1 Civil Cover Sheet, #2 Summon(s) Experian Summons, #3 Summon(s) TU Summons, #4 Summon(s) EFX Summons)(Rajabalee, Kevin) |
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