OPINION AND ORDER Plaintiff Lonny DiTella (“Plaintiff”), proceeding pro se, brings this action against, among others, Experian Information Solutions, Inc. (“EIS” or “Defendant”), alleging a violation of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. §1681-1681x.1 Now before the Court is Defendant’s motion to compel this matter to arbitration and stay the action as to it until arbitration has been completed. For the reasons stated below, the Court grants Defendant’s motion. BACKGROUND2 A. Factual Background 1. Plaintiff’s Allegations Plaintiff is a Jasper Credit Card customer who alleges that he is a victim of identity theft. (AC 2-3). Since 2021, Plaintiff has had a Jasper credit card account, which reported monthly to Defendant TransUnion. (Id.). Defendant EIS is a credit reporting agency (“CRA”) that engages in the business of maintaining and reporting consumer credit card information. On August 19, 2022, Plaintiff enrolled in CreditWorks. (Smith Decl. 3). CreditWorks is an online service operated by Experian Consumer Services (“ECS”) that provides consumers access to their credit reports. Defendant is an affiliate of ECS, as both entities are wholly-owned subsidiaries of Experian Holdings, Inc. (Id. 2). Plaintiff alleges that, in 2022, over $3,000 of fraudulent charges were made to his credit card as a result of the theft of his identity. (AC 3). In response, Plaintiff reported the fraudulent transactions to Jasper Credit Card and requested that the Social Security Administration (the “SSA”) change his social security number, which request the SSA granted. (Id. at 3-4). After receiving a new social security number, Plaintiff contacted Defendant — in whose credit reporting service Plaintiff had enrolled — to have his social security number updated on his credit report. (Id. at 4). Plaintiff asserts that Defendant failed to properly update his social security information and, as a result, harmed Plaintiff’s credit report. (Id. at 6). 2. Plaintiff’s CreditWorks Account According to Dan Smith, the Director of Product Operations at ECS, Plaintiff was required to complete a single webform in order to enroll successfully in CreditWorks. (Smith Decl.
