DECISION AND ORDER INTRODUCTION Plaintiff Kohobi Scott (“Plaintiff”) brings this action alleging violations of the Fair Credit Reporting Act, 15 U.S.C. §§1681 et seq. (“the FCRA”) against Synchrony Bank (“Synchrony”) and the United States Department of Education (the “Department of Education”).1 Currently pending before the Court are a motion to dismiss filed by Synchrony (Dkt. 14) and a motion to dismiss or for summary judgment filed by the Department of Education (Dkt. 22). For the reasons that follow, the Court (1) finds that it lacks subject matter jurisdiction over Plaintiff’s claims against the Department of Education and accordingly grants the Department of Education’s motion to dismiss and (2) denies Synchrony’s motion to dismiss. FACTUAL BACKGROUND Plaintiff alleges that Synchrony and the Department of Education are “inaccurately reporting their tradelines…with…erroneous scheduled monthly payment amounts on Plaintiff’s Equifax credit disclosure.” (Dkt. 1 at 7). More particular, Plaintiff claims that Synchrony is reporting a tradeline with a scheduled monthly payment amount of $39.00 and the Department of Education is reporting a tradeline with a scheduled monthly payment amount of $421.00, when in fact the accounts reflected by these tradelines “are closed with $0.00 balance[s]” and “ Plaintiff no longer has an obligation nor the right to make monthly payments to [Synchrony and the Department of Education] such as to bring the accounts current.” (Id. at
8-10). According to Plaintiff, on or about May 5, 2020, she submitted a letter to Equifax disputing the tradelines reported by Synchrony and the Department of Education, explaining that the accounts they reflected were closed. (Id. at 13). Plaintiff claims that Equifax forwarded her consumer dispute to Synchrony and the Department of Education, and that Synchrony and the Department of Education “verified to Equifax that the reporting of” the disputed tradelines was accurate. (Id. at
