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August 12, 2005.

ADAM WHITE, Plaintiff,

The opinion of the court was delivered by: LEWIS KAPLAN, District Judge


Plaintiff brings this action on behalf of himself and all others similarly situated against defendant First American Registry ("FAR") for violating the Fair Credit Reporting Act*fn1 ("FCRA"), the New York Fair Credit Reporting Act*fn2 ("NYFCRA"), and Section 349 of the New York General Business Law. He now moves pursuant to Federal Rule of Civil Procedure 23(b)(2) for certification of a class of "all persons who are listed, or who were listed within the two years prior to the initiation of this action, in [FAR's] National RegistryCheck databases as a tenant, occupant, respondent, defendant or other similar categorization in a proceeding commenced in the Civil Court of the City of New York, Housing Part," other than defendant and its affiliates and persons named in such proceedings as landlords. Defendant moves to exclude plaintiff's Exhibit F submitted in support of the motion for class certification.


  FAR describes itself as "the nation's largest and most experienced information management company, providing the multi-family housing industry with risk management expertise for resident screening of applicants."*fn3 Among the services it sells is prospective tenant screening — it offers, for a fee, "immediate internet access to The National Registry Check™," which it states is a "comprehensive proprietary database of over 33 million landlord/tenant eviction court records."*fn4 "In other words," as the complaint alleges, "it sells information about potential residential tenants to landlords and real estate management companies that is based upon court records."*fn5 Put another way, it offers a product readily usable by its customers to blacklist applicants to rent apartments and houses who have been involved in litigation with landlords.

  Plaintiff here alleges that FAR systematically has failed to employ "reasonable procedures to ensure maximum possible accuracy" in preparing and issuing its Registry Check™ reports in connection with cases brought in the New York City Housing Court, thus violating both federal and state statutes.*fn6 The complaint seeks declaratory and injunctive relief as well as statutory and punitive damages.*fn7


  In order to obtain certification of a class, the proponent must demonstrate that:
"(1) the class is so numerous that joinder of all members is impracticable, (2) there are questions of law or fact common to the class, (3) the claims or defenses of the representative parties are typical of the claims or defenses of the class, and (4) the representative parties will fairly and adequately protect the interests of the class."*fn8
As FAR concedes numerosity, it is necessary to deal with only the three latter criteria. Commonality and Typicality

  To begin, FAR disputes commonality and typicality. It claims that the proposed class definition includes persons as to whom it never issued a report and that an individualized consideration would be required even with respect to those as to whom it has done so to determine such matters as whether the report was accurate, whether the person was harmed by any inaccuracy, and so on. But these arguments are insubstantial.

  At the heart of this case is a simple question: whether FAR had "reasonable procedures to ensure maximum possible accuracy" of its reports. That question is common to every member of the proposed class, as FAR concededly employed the same procedures to all. Rule 23(a)(2) requires no more.*fn9 Adequacy of Representation

  FAR challenges also the adequacy of plaintiff's representation of the proposed class. It asserts, inter alia, that White does not have standing to pursue a claim for injunctive relief because he does not face any threat of future injury. It contends further that White's claim for injunctive relief is moot because FAR already corrected his report and he consequently cannot benefit from the relief he seeks.

  The plaintiff must establish standing and must do so with respect to each claim and form of relief sought.*fn10 The "irreducible constitutional minimum of standing" is an injury-in-fact, causation and redressibility.*fn11 In City of Los Angeles v. Lyons,*fn12 the Supreme Court held that a plaintiff seeking injunctive relief cannot rely on the existence of a past injury, but must show that he or she is likely to suffer future injury.*fn13 Consequently, where, as here, a plaintiff challenges an allegedly wrongful policy, he or she must allege credibly a "realistic threat from the policy."*fn14

  A claim becomes moot "when the parties lack a legally cognizable interest in the outcome."*fn15 A party maintains a personal stake in the claim where some injury could be redressed by the relief sought.*fn16 In Professor Monaghan's succinct explanation, "[m]ootness is . . . the doctrine of standing set in a time frame: The requisite personal interest must exist at the commencement of the litigation (standing) must continue through its existence (mootness)."*fn17

  White obtained a copy of his FAR Registry Check report after being denied an apartment in Brooklyn. He discovered that it listed incorrectly the status of a proceeding captioned Koppelman v. White, filed in December 1996 in New York City Housing Court, as being "case filed." In fact, the case had been dismissed in January 1997 after neither party appeared in court.*fn18 On July 3, 2002, he wrote to FAR, informed it of the report's inaccuracy, and requested that it remove any record of the proceeding from his report.*fn19 FAR responded to this inquiry on July 16, 2002. It informed White that it had investigated the listing he disputed and changed the report to remove the entry, and provided a copy of the corrected report.*fn20 This case was filed on February 26, 2004. As this chronology of events shows, White's report was corrected no later than July 16, 2002, well over a year before the commencement of this action. White could be injured by FAR's allegedly inadequate reporting procedures only if he were to apply to rent another apartment, the landlord or rental agent requested a FAR Registry Check report, and the report appeared as it did prior to July 16, 2002. He offers no reason to believe that such a report would appear in its uncorrected form. Consequently, the risk of any future injury as a result of FAR's policy is speculative and falls well short of the realistic threat required to obtain equitable relief.

  Undaunted, White contends that he may represent the class even if he does not have standing to pursue injunctive relief and his claim for such relief is moot. Citing the Second Circuit's statement in Martens v. Thomann,*fn21 he asserts that a "class representative? may ...

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