MEMORANDUM OPINION AND ORDER Chaim B. Tescher (“Plaintiff”) brings this action against Experian Information Solutions, Inc. (“Experian”), PHH Mortgage Services (“PHH”), Credit Plus Inc. (“Credit Plus”), and LoanDepot.com LLC (“Defendant”) for violating the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. §1681 et seq. (See Doc. 25, “FAC”). Experian, PHH, and Credit Plus have filed Answers to the First Amended Complaint. (See Doc. 29 (Experian); Doc. 30 (PHH); Doc. 31 (Credit Plus)). Defendant, on the other hand, presents two motions for adjudication. First, Defendant moves under Federal Rule of Civil Procedure 12(b)(6) to dismiss the claim asserted against it. Defendant served its motion papers on July 19, 2021 (Doc. 39; Doc. 40, “Dismiss Br.”), Plaintiff served his opposition brief on August 17, 2021 (Doc. 42, “Dismiss Opp.”), and that motion was briefed fully with service of Defendant’s reply memorandum of law in further support of its motion on August 24, 2021 (Doc. 41, “Dismiss Reply”).1 Second, Defendant moves under Federal Rule of Civil Procedure 11 for sanctions against Plaintiff’s counsel. Defendant filed those motion papers on August 26, 2021 (Doc. 43; Doc. 44 “Sanction Br.”; Doc. 45), Plaintiff’s counsel filed his memorandum of law in opposition on September 20, 2021 (Doc. 51, “Sanction Opp.”), and that motion was briefed fully with the filing of Defendant’s reply papers on September 27, 2021 (Doc. 52, “Sanction Reply”). For the reasons set forth below, the motion to dismiss is GRANTED IN PART and the motion for sanctions is DENIED. BACKGROUND Defendant, at some point, serviced Plaintiff’s mortgage account. (FAC 7). After Defendant began servicing the mortgage account, “[o]n a date better known by [Defendant], but sometime in 2018 or 2019,” it transferred its account servicing responsibilities to PHH. (Id. 8). PHH thereafter serviced the mortgage under a different account number. (Id.
7, 9). In December 2018 — which may be before or after the servicing duties were transferred to PHH — Plaintiff “was 30 days late…on his mortgage.” (Id.
