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Ӥݧ})m+ }[AAqnob-ڮ^_ %]i^a& Va0lA&`#T腨RR!]IƛƚqIVUX5mVEq %$4i5l馞ij_}&f6Iii4ӫh:ޛKNᤷV^zOI8D0BH!n!@#I(~l[aMPMAbM)H4fUI8`DECB"CM0ikj駪`D6!昮="""'[!+ Ao# 5ӱ #b9'hD^C^1 U 붐QAi KTmRh4q1 YQPdIB+&ejn__1t4Du;BB|'!wt4P>I8~[{_ۭ ~_[%| OcuA~Ҫj@#!f^!ߊ}nzὅ8_lJ MSWkik2mSKեc hYB1x*ʶ в!Q8 c#k}5]ƾR# cC@ FI1~M%O}Uo~4+I=4MwI ԝ_1u &'l%׊Q~ѠEnEuio]Dp$a01lR ;Roi Bpv#GF""5Ka(bZ] endstream endobj 26 0 obj << /Length 4020 >> stream q q 612.00 0.00 0.00 792.00 0.00 0.00 cm /Im27 Do Q Q q BT 3 Tr /F28 11.41 Tf 115.92 756.48 TD (Case 2:06-cv-) Tj /F29 12.46 Tf 71.76 0.00 TD (00041-) Tj /F29 12.83 Tf 67.92 0.00 TD (Document ) Tj /F28 11.44 Tf 78.96 0.00 TD (Filed 01/12/2006) Tj /F28 11.21 Tf 102.72 -.24 TD (Page 4 of 8) Tj /F29 11.78 Tf -357.60 -92.16 TD (course of Defendant's dealings with Keystone) Tj /F28 10.51 Tf 217.92 -.48 TD (, Keystone) Tj /F29 11.96 Tf 53.76 0.00 TD (s employees provided ) Tj /F28 11.70 Tf 107.28 -.24 TD (Defendat with) Tj /F29 11.59 Tf -379.20 -26.64 TD (documentation of credit accounts to be used in creating consumer reports for consumers who had) Tj /F29 12.41 Tf 0.48 -27.60 TD (insuffcient credit histories at the ) Tj /F29 12.63 Tf 162.96 -.48 TD (nationwide CRAs. ) Tj /F29 12.26 Tf 96.48 0.00 TD (Keystone had a financial interest in the) Tj /F29 11.50 Tf -259.68 -26.88 TD (completion of loans to these consumers.) Tj /F29 9.79 Tf 35.52 -27.36 TD (13.) Tj /F29 12.08 Tf 33.60 0.00 TD (The credit information provided by Keystone was not adequately ) Tj /F30 8.87 Tf 317.76 -.96 TD (reviewed and) Tj /F28 10.45 Tf -386.88 -25.92 TD (verified by Defendant in many instances before being added to reports. ) Tj /F30 7.03 Tf 330.96 -1.20 TD (In fact) Tj /F29 11.37 Tf 30.00 0.24 TD (, the documentation) Tj /F29 11.41 Tf -360.96 -25.68 TD (provided by Keystone for many ofthese consumers was false and ) Tj /F29 11.45 Tf 299.76 -.96 TD (presented information that called) Tj /F29 11.58 Tf -299.52 -26.40 TD (for more careful review or ) Tj /F30 8.82 Tf 125.04 -.48 TD (inquir. For example) Tj /F28 10.74 Tf 101.04 -.48 TD (, in many ) Tj /F28 12.34 Tf 46.56 0.00 TD (intaces the ) Tj /F29 11.54 Tf 63.12 -.24 TD (documentation related to) Tj /F29 11.35 Tf -335.76 -26.40 TD (accounts with utility and cable companies that did not ) Tj /F28 10.21 Tf 247.44 -.48 TD (servce the areas where the ) Tj /F29 11.33 Tf 126.00 -.72 TD (consumers lived) Tj /F29 11.54 Tf -373.44 -25.92 TD (and the same document was used to create records for multiple individuals.) Tj /F29 9.79 Tf 35.52 -26.64 TD (14.) Tj /F29 11.82 Tf 33.36 -.48 TD (The resulting consumer reports provided by Defendant to Keystone were used in) Tj /F29 11.33 Tf -69.12 -26.64 TD (connection with mortgages insured by the Fair Housing Administration \(") Tj /F29 11.86 Tf 334.56 -.96 TD (FHA") Tj /F28 10.14 Tf 28.80 -.24 TD (\) of the Department) Tj /F29 11.64 Tf -363.36 -26.40 TD (of Housing and Urban Development \(") Tj /F29 16.83 Tf 180.96 -.96 TD (BU") Tj /F30 7.91 Tf 30.48 0.00 TD (\). Subsequently, ) Tj /F29 11.54 Tf 80.64 0.00 TD (some of the mortgagees defaulted) Tj /F29 11.52 Tf -292.08 -26.40 TD (resulting in losses to the FHA home loan program and) Tj /F29 11.50 Tf 250.32 -.96 TD (, ultimately, to taxpayers.) Tj /F29 9.99 Tf -214.80 -26.40 TD (15.) Tj /F28 10.48 Tf 33.60 -.24 TD (Through the acts and practices alleged in Paragraphs 9 through 13, Defendant did) Tj /F29 11.67 Tf -69.36 -26.40 TD (not follow reasonable procedures to assure the maximum possible accuracy ) Tj /F30 7.96 Tf 355.20 -1.20 TD (ofthe information in) Tj /F29 11.32 Tf -355.20 -26.40 TD (reports that it prepared in violation of Section 607\(b\) of the FCRA) Tj /F30 5.00 Tf 301.20 -.72 TD (, 15 ) Tj /F29 5.00 Tf 40.08 -.72 TD (C. ) Tj /F29 11.48 Tf 22.08 0.24 TD (1681e\(b\). Pursuant) Tj /F28 10.46 Tf -363.36 -26.40 TD (to Section 621\(a\)\(I\) of the FCRA, 15 V.) Tj /F29 11.18 Tf 190.56 -.48 TD (C. g 1681s\(a\)\(1\), the acts and practices alleged above also) Tj /F29 11.27 Tf -190.80 -26.88 TD (constitute unfair or deceptive acts or practices in violation of Section 5\(a\) ) Tj /F28 10.97 Tf 334.32 -1.20 TD (ofthe FTC Act) Tj /F29 10.32 Tf 68.16 0.00 TD (, 15 D.) Tj /F29 11.11 Tf -401.76 -24.96 TD (g 45\(a\).) 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Tj /F36 11.27 Tf 33.60 0.00 TD (Each instance in which Defendant produced a consumer report complained of herein) Tj /F36 11.47 Tf -68.88 -27.60 TD (in violation of Section 607\(b\) of the FCRA, 15 U.S.) Tj /F36 5.00 Tf 239.52 -.48 TD (C. ) Tj /F37 7.44 Tf 23.28 0.00 TD (1681e\(b\), constitutes a separate violation) Tj /F36 11.40 Tf -263.04 -26.88 TD (of the FCRA for which plaintiff seeks ) Tj /F35 11.82 Tf 175.68 -.48 TD (monetar civil ) Tj /F36 11.61 Tf 69.60 0.00 TD (penalties under Section 621 ofthe FCRA) Tj /F36 10.24 Tf 189.12 -.72 TD (, 15) Tj /F36 5.00 Tf -413.52 -25.68 TD (c. ) Tj /F36 11.71 Tf 23.52 0.00 TD (1681s. Defendant has engaged in knowing violations of the FCRA as described above,) Tj /F36 11.53 Tf -44.40 -26.64 TD (which constitutes a pattern or practice of violations.) Tj /F36 9.79 Tf 35.28 -27.12 TD (18.) Tj /F36 11.62 Tf 33.36 -.48 TD (Under Section 13\(b\) of the FTC Act) Tj /F37 5.00 Tf 168.96 -.48 TD (, 15 ) Tj /F36 5.00 Tf 40.32 -.24 TD (C. ) Tj /F36 11.71 Tf 13.68 -2.16 TD (9 53\(b\), this Cour is authorized to) Tj /F36 11.83 Tf -291.84 -24.00 TD (issue a permanent injunction prohibiting Defendant from violating the FTC Act and the FCRA) Tj /F36 11.50 Tf 0.00 -27.12 TD (including violations of Section 607\(b\).) 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Tj /F49 9.08 Tf 23.28 0.00 TD (A TURE OF SUIT ) Tj /F49 5.00 Tf 74.16 -.24 TD (\(Place an ) Tj /F51 5.00 Tf 27.36 0.00 TD (X" in ) Tj /F50 5.00 Tf 27.60 -.24 TD (Box ) Tj /F50 6.17 Tf 12.00 0.24 TD (Onlv\)) Tj /F50 6.82 Tf -2.64 -8.40 TD (TORTS) Tj /F49 7.12 Tf 94.80 -.24 TD (FO..rEITURrJENAL TY) Tj /F50 6.52 Tf 110.16 -.48 TD (BANKRUPTCY) Tj /F49 7.86 Tf 84.72 -.72 TD (OTER STATtIT) Tj /F51 5.40 Tf -451.92 -8.64 TD (o 110 ) Tj /F50 6.82 Tf 19.44 0.00 TD (Insuance) Tj /F50 6.66 Tf 82.08 -.24 TD (PERSONAL INJURY) Tj /F49 6.35 Tf 84.96 -.48 TD (PERSONAL INJURY) Tj /F51 6.07 Tf 70.32 0.00 TD (0 610 ) Tj /F50 7.41 Tf 21.84 0.00 TD (Agrioultu) Tj /F51 5.00 Tf 68.40 -.48 TD (0 422 Appeal 28 ) Tj /F50 6.17 Tf 47.28 -.24 TD (USC 158) Tj /F50 6.52 Tf 50.88 -.48 TD (400 State Reapportionmnt) Tj /F51 5.40 Tf -445.20 -6.00 TD (o 120 ) Tj /F50 6.23 Tf 19.44 0.00 TD (Marine) Tj /F51 5.00 Tf 85.20 -.24 TD (310 Airlane) Tj /F50 7.18 Tf 84.48 -.24 TD (362 Persnal Injur .) Tj /F51 5.20 Tf 67.68 -.24 TD (LJ 620 ) Tj /F49 10.23 Tf 21.84 -.48 TD (Ot foo ) Tj /F49 7.61 Tf 30.72 0.00 TD (& Drg) Tj /F51 5.07 Tf 37.68 0.00 TD (0 423 Withdrawal) Tj /F51 5.60 Tf 97.92 -.48 TD (410 Antitr) Tj /F50 6.66 Tf -435.60 -6.00 TD (130MillerAct) Tj /F51 5.00 Tf 95.28 -.24 TD (315 Airlane Product) Tj /F49 5.80 Tf 92.16 -.24 TD (Med. Malpractice) Tj /F50 6.45 Tf 70.56 -.24 TD (625 ) Tj /F50 11.22 Tf 11.28 -1.68 TD (Dr ) Tj /F50 7.93 Tf 14.64 1.44 TD (Relate Seizu) Tj /F51 5.16 Tf 71.28 0.00 TD (28 use 157) Tj /F50 6.47 Tf 70.56 -.72 TD (LJ 430 Banks and Banking) Tj /F51 5.40 Tf -435.12 -5.76 TD (o 140 ) Tj /F50 6.93 Tf 19.44 0.00 TD (Negotible ) Tj /F50 9.59 Tf 29.04 0.00 TD (Instnni) Tj /F50 6.11 Tf 65.28 -.24 TD (LiabliLy) Tj /F50 6.45 Tf 73.68 0.00 TD (365 ) Tj /F49 10.42 Tf 11.28 -.48 TD (Pclnjury -) Tj /F50 7.81 Tf 77.76 -.24 TD (of Prope 21 ) Tj /F50 6.04 Tf 38.40 -.24 TD (USC 881) Tj /F51 5.80 Tf 120.24 -.72 TD (0 450 ) Tj /F50 8.21 Tf 20.88 0.00 TD (CoretCe) Tj /F51 5.40 Tf -456.00 -5.76 TD (o 150 ) Tj /F49 6.29 Tf 19.44 0.00 TD (Recover of ) Tj /F50 5.00 Tf 32.16 0.00 TD (Overayent ) Tj /F50 6.85 Tf 53.04 -.24 TD (320 Assul) Tj /F49 7.05 Tf 33.36 0.00 TD (libel &) Tj /F50 9.15 Tf 58.32 -.48 TD (Pruct ) Tj /F50 6.13 Tf 21.60 0.00 TD (Liability) Tj /F50 6.81 Tf 49.44 0.00 TD (630 liquor Law.) Tj /F50 6.93 Tf 89.04 0.00 TD (PROPER rv RIGHTS) Tj /F51 7.20 Tf 78.24 -.96 TD (0 46 ) Tj /F50 8.00 Tf 21.60 0.00 TD (Depotion) Tj /F50 6.28 Tf -438.96 -5.76 TD (& 鶹ý of ) Tj /F50 9.20 Tf 47.28 0.00 TD (Judent) Tj /F50 6.36 Tf 48.72 0.00 TD (Slander) Tj /F49 5.81 Tf 74.16 -.48 TD (368 Asbe.tos ) Tj /F50 8.74 Tf 35.52 0.00 TD (Persal) Tj /F49 5.62 Tf 44.40 -.24 TD (640 R.) Tj /F50 7.02 Tf 16.80 -.24 TD (R. & Truk) Tj /F51 5.23 Tf 62.88 -.24 TD (0 820 C.oyrgbts) Tj /F49 5.61 Tf 97.92 -.48 TD (470 Racketeer Influenced and) Tj /F50 6.41 Tf -435.84 -5.52 TD (151 Medicae Act) Tj /F50 6.72 Tf 84.48 -.48 TD (LJ 330 鶹ý Employen) Tj /F51 5.00 Tf 103.20 -.24 TD (Injur Product) Tj /F49 6.79 Tf 59.76 -.24 TD (LJ 650 Airline Reg) Tj /F51 5.40 Tf 90.48 -.48 TD (0 830 ) Tj /F50 6.14 Tf 19.44 0.00 TD (Patent) Tj /F50 11.14 Tf 87.12 -.48 TD (COt ) Tj /F50 8.47 Tf 21.36 -1.44 TD (Orizations) Tj /F51 5.40 Tf -474.96 -3.84 TD (o 152 ) Tj /F49 5.72 Tf 19.44 -.48 TD (Recovery of Defaulred) Tj /F50 6.04 Tf 94.32 0.00 TD (LiabliLy) Tj /F50 7.34 Tf 82.56 -.24 TD (Liaility) Tj /F51 7.11 Tf 60.24 -.48 TD (0 66 Occlionl) Tj /F51 5.33 Tf 90.24 -.48 TD (0 840 ) Tj /F50 6.29 Tf 19.20 0.00 TD (Trademark) Tj /F51 5.93 Tf 68.64 -.24 TD (0 480 ) Tj /F50 5.00 Tf 21.36 -.48 TD (Con.ume ) Tj /F50 5.91 Tf 36.48 -.24 TD (dit) Tj /F50 6.89 Tf -475.20 -5.04 TD (Studeat Loas) Tj /F49 5.80 Tf 87.36 -.48 TD (340 Marine) Tj /F49 6.09 Tf 75.60 -.24 TD (PERSONAL. PROPERTY) Tj /F50 6.29 Tf 96.00 -.48 TD (Sarety/Health) Tj /F51 5.93 Tf 158.40 -.72 TD (0 490 ) Tj /F49 6.28 Tf 21.36 -.24 TD (Cale/Sat TV) Tj /F50 6.23 Tf -438.72 -5.04 TD (\(Excl. Velerans\)) Tj /F49 6.14 Tf 87.36 -.24 TD (345 Marine Prouct) Tj /F50 6.32 Tf 82.56 -.48 TD (370 Other Fraud) Tj /F51 5.03 Tf 69.36 -.48 TD (LJ 690 Other) Tj /F50 6.27 Tf 188.40 -.72 TD (810 Selective ) Tj /F50 8.43 Tf 35.52 -.72 TD (Serce) Tj /F50 6.67 Tf -480.48 -5.04 TD (LJ 153 Recover ofOverpaymeat) Tj /F50 5.59 Tf 113.52 -.24 TD (LiabiliLy) Tj /F49 6.10 Tf 73.68 -.48 TD (37\\ Trutb in Lending) Tj /F50 7.36 Tf 102.72 0.48 TD (I.Ann..) Tj /F50 6.71 Tf 65.28 -1.20 TD (SOCIAL) Tj /F50 6.48 Tf 47.76 -.24 TD (ITY) Tj /F50 6.17 Tf 42.00 0.00 TD (850 ) Tj /F50 8.81 Tf 10.80 -.48 TD (SetisiConunoities) Tj /F50 6.60 Tf -437.04 -5.04 TD (ofVeteran) Tj /F50 6.22 Tf 28.80 -.24 TD (s Benefits) Tj /F50 6.28 Tf 57.12 0.00 TD (350 Motor Vehicle) Tj /F51 5.00 Tf 71.76 -.48 TD (LJ 380 Oter Personal) Tj /F51 5.01 Tf 80.16 -.24 TD (LJ 710 Fai Labor Stadard.) Tj /F49 6.58 Tf 90.24 -.48 TD (LJ 86t HIA \(1395ft) Tj /F50 6.21 Tf 107.28 -.72 TD (Exchange) Tj /F50 6.48 Tf -454.08 -5.28 TD (LJ t60 Stockholders) Tj /F49 5.73 Tf 52.32 -.48 TD (' Suits) Tj /F50 6.28 Tf 52.32 0.00 TD (355 Motor Vehicle) Tj /F51 6.69 Tf 91.68 -.48 TD (Prope Daage) Tj /F50 6.32 Tf 79.68 -.48 TD (Act) Tj /F50 6.69 Tf 70.80 -.24 TD (LJ 862 Black Lun \(923\)) Tj /F50 6.37 Tf 98.16 -.72 TD (875 CustolUr Challenge) Tj /F51 5.00 Tf -445.20 -5.28 TD (o L ) Tj /F50 7.18 Tf 11.76 0.00 TD (90 Oter ) Tj /F50 9.38 Tf 23.52 0.00 TD (Cnntr) Tj /F51 5.00 Tf 78.48 -.48 TD (Produc LiabiliLy) Tj /F49 6.02 Tf 73.68 -.24 TD (385 Propeny Damge) Tj /F50 7.34 Tf 79.92 -.48 TD (720 LabolMgm Relaton) Tj /F50 6.33 Tf 79.68 -.48 TD (LJ 863 DlWCIDIWW \(405\(g\)\)) Tj /F50 6.08 Tf 108.00 -.48 TD (12 USC 3410) Tj /F51 5.33 Tf -455.04 -5.28 TD (o 195 ) Tj /F50 6.37 Tf 19.20 -.24 TD (Contract ) Tj /F50 9.05 Tf 23.52 0.00 TD (Pruct ) Tj /F50 6.06 Tf 21.36 0.00 TD (Liability) Tj /F50 6.29 Tf 40.80 -.24 TD (360 Other ) Tj /F50 8.74 Tf 26.88 0.00 TD (Persal) Tj /F49 7.46 Tf 64.80 -.48 TD (Pruct Liabilty) Tj /F49 6.66 Tf 60.24 -.24 TD (LJ 730 LaboIMgm.) Tj /F50 8.64 Tf 55.92 -.24 TD (Reping) Tj /F51 5.76 Tf 34.32 -.24 TD (0 864 ssm ) Tj /F49 6.58 Tf 34.56 0.00 TD (Tille XVI) Tj /F51 5.00 Tf 53.28 -.24 TD (Ii 890 Other Statuory ) Tj /F50 7.26 Tf 61.92 -.48 TD (Actins) Tj /F51 5.40 Tf -496.80 -5.28 TD (o L96 ) Tj /F50 7.66 Tf 19.44 0.00 TD (frachise) Tj /F50 5.79 Tf 94.32 -.24 TD (IniulV) Tj /F51 5.31 Tf 162.48 -.96 TD (& Disclosu Act) Tj /F51 5.08 Tf 70.80 -.48 TD (0 865 RSI ) Tj /F50 6.04 Tf 30.48 0.24 TD (1405\(0\)\)) Tj /F51 5.00 Tf 57.36 -.72 TD (LJ 89 t ) Tj /F49 8.59 Tf 21.12 -.24 TD (Agrultul Act) Tj /F50 6.65 Tf -441.12 -5.52 TD (REAL PROPERTY) Tj /F50 6.77 Tf 94.56 -.48 TD (CIVIL RIGHTS) Tj /F51 6.31 Tf 70.80 -.24 TD (PRISONER PETITIONS) Tj /F51 5.00 Tf 76.56 -.24 TD (LJ 740 Railway Labor Act) Tj /F49 7.19 Tf 98.64 -.72 TD (FEDERL TAX ) Tj /F50 6.57 Tf 46.32 -.24 TD (SUITS) Tj /F50 7.04 Tf 43.44 0.00 TD (892 Ecnomic Staili) Tj /F50 5.66 Tf 66.24 -.24 TD (D Act) Tj /F51 5.11 Tf -511.44 -5.76 TD (o 2\\0 Land Condemnation) Tj /F51 5.08 Tf 93.60 -.24 TD (LJ 441 Voting) Tj /F50 6.45 Tf 93.84 -.24 TD (510 ) Tj /F50 8.94 Tf 11.28 -.24 TD (Moti to ) Tj /F50 6.23 Tf 28.80 0.00 TD (Vacale) Tj /F49 6.14 Tf 29.28 -.24 TD (LJ 790 Other Labor Litigation) Tj /F50 6.33 Tf 90.24 -.72 TD (LJ 870 Taxes \(U.) Tj /F50 6.96 Tf 44.40 0.00 TD (S. Plamlif) Tj /F50 7.19 Tf 53.76 -.24 TD (893 Enviromenta Maner) Tj /F51 5.00 Tf -445.20 -6.00 TD (o 220 F ) Tj /F50 7.07 Tf 23.04 0.00 TD (nreclosre) Tj /F51 5.31 Tf 70.56 0.00 TD (LJ 442 ) Tj /F50 9.27 Tf 22.32 -.48 TD (Employt) Tj /F50 6.32 Tf 80.40 -.24 TD (Sentence) Tj /F51 5.00 Tf 60.24 -.24 TD (LJ 791 Empl. Rct Inc.) Tj /F49 6.30 Tf 107.76 -.72 TD (or Defendat\)) Tj /F50 6.24 Tf 80.88 -.48 TD (894 Energy ) Tj /F51 5.60 Tf 30.48 -.24 TD (Allocon Act) Tj /F51 5.00 Tf -475.68 -5.28 TD (o 230 Rent ) Tj /F49 7.72 Tf 32.88 -.24 TD (Lee & ) Tj /F50 6.30 Tf 22.32 0.24 TD (Ejccnnent) Tj /F49 5.74 Tf 49.44 -.48 TD (443 Housing!) Tj /F50 8.95 Tf 81.84 -.24 TD (Habe ) Tj /F50 6.90 Tf 21.12 0.00 TD (Corpus:) Tj /F51 5.32 Tf 71.04 -.48 TD (Serity Act) Tj /F51 5.00 Tf 68.40 -.24 TD (LJ 871 ) Tj /F50 5.00 Tf 19.44 0.00 TD (IRS ) Tj /F49 7.06 Tf 15.84 0.00 TD (Third Par) Tj /F51 5.46 Tf 52.32 -.96 TD (LJ 895 fredom oflnfortion) Tj /F49 7.20 Tf -434.64 -5.28 TD (o 240 Tor to ) Tj /F50 6.19 Tf 40.80 0.00 TD (Land) Tj /F50 9.65 Tf 72.96 -.24 TD (Accontions) Tj /F49 6.45 Tf 73.68 -.48 TD (530 Gener) Tj /F51 5.20 Tf 176.88 -.72 TD (26 use 7609) Tj /F50 6.15 Tf 89.76 -.72 TD (Aet) Tj /F51 5.20 Tf -454.08 -5.04 TD (o 245 ) Tj /F50 6.33 Tf 18.72 -.48 TD (Tort ) Tj /F50 9.91 Tf 12.48 0.00 TD (Pruc ) Tj /F50 6.75 Tf 20.64 0.00 TD (Liabilty) Tj /F51 5.03 Tf 41.76 0.00 TD (LJ 444 Wclfate) Tj /F49 5.63 Tf 93.84 -.24 TD (535 Death Penalty) Tj /F50 8.10 Tf 257.52 -1.44 TD (9OAppelofFecDeteinlion) Tj /F51 5.40 Tf -444.96 -5.28 TD (o 290 ) Tj /F50 6.13 Tf 19.44 -.24 TD (All ) Tj /F50 10.16 Tf 9.36 -.24 TD (Otr ) Tj /F50 6.88 Tf 16.08 0.24 TD (Real Propert) Tj /F49 6.50 Tf 48.72 -.24 TD (LJ 445 Amer. wlDisbilities -) Tj /F50 6.91 Tf 93.84 -.48 TD (540 Mandamu & Oter) Tj /F50 6.23 Tf 266.64 -1.44 TD (Under Equal Access) Tj /F50 6.23 Tf -340.32 -6.00 TD (Employment) Tj /F50 6.28 Tf 73.44 -.24 TD (550 Civil Rights) Tj /F50 6.27 Tf 266.64 -1.44 TD (to Justice) Tj /F50 6.80 Tf -349.44 -6.00 TD (446 Amer. wlDisalities -) Tj /F50 6.45 Tf 82.80 -.48 TD (555 ) Tj /F50 10.69 Tf 11.28 0.00 TD (Prn ) Tj /F50 7.20 Tf 17.52 -.24 TD (Codition) Tj /F50 7.33 Tf 218.64 -.96 TD (LJ 950 ColIilUionalit of) Tj /F50 7.99 Tf -321.36 -6.00 TD (Othr) Tj /F51 5.00 Tf 340.56 -1.44 TD (Stae StalDtes) Tj /F49 6.49 Tf -360.24 -5.52 TD (LJ 440 Oter Civil Rights) Tj /F50 6.29 Tf -19.92 -18.24 TD (\(Plaee an ") Tj /F51 31.02 Tf 27.36 0.00 TD (X" in One Box Only\) ) Tj /F49 7.58 Tf 372.24 -.96 TD (Appel to Distrct) Tj /F51 28.24 Tf -407.76 -8.16 TD (LJ 2 ) Tj /F51 29.28 Tf 84.72 -.48 TD (LJ 3 ) Tj /F51 21.52 Tf 87.84 -.48 TD (LJ 4 ) Tj /F50 9.85 Tf 64.56 -.48 TD (LJ 5 Transferr ) Tj /F51 16.18 Tf 58.80 3.84 TD (trom 0 6 ) Tj /F51 8.00 Tf 87.36 -4.56 TD (LJ 7 ) Tj /F50 8.17 Tf 24.00 3.36 TD (Judge frm) Tj /F51 11.32 Tf -387.12 -4.32 TD (Removed from ) Tj /F51 9.83 Tf 88.32 -.24 TD (Remanded from ) Tj /F51 8.17 Tf 82.56 -.48 TD (Reinstated or ) Tj /F51 7.55 Tf 68.64 -.72 TD (another district ) Tj /F50 14.29 Tf 77.04 -.48 TD (Multidistrct ) Tj /F50 8.85 Tf 71.04 -.24 TD (Magistte) Tj /F50 19.68 Tf -387.84 -4.80 TD (State Cour ) Tj /F49 13.64 Tf 104.64 -.24 TD (Ilate Court ) Tj /F51 14.85 Tf 66.72 -.24 TD (Reo ned ) Tj /F51 31.00 Tf 71.28 -.48 TD (s i ) Tj /F50 12.57 Tf 74.40 -.72 TD (Uti ) Tj /F50 33.46 Tf 19.20 0.00 TD (ion ) Tj /F50 12.01 Tf 51.12 -.48 TD (Jud ) Tj /F50 6.88 Tf 19.68 -.24 TD (ent) Tj /F50 9.34 Tf -382.80 -12.24 TD (cp:d) Tj /F50 7.10 Tf 16.08 576.00 TD (~~~) Tj /F50 11.31 Tf 11.52 -576.24 TD (Ptr) Tj /F50 7.17 Tf 38.88 0.00 TD (minurs) Tj /F50 10.59 Tf 18.72 -.24 TD (iro) Tj /F50 7.02 Tf 16.08 5.76 TD (hJe) Tj /F50 8.17 Tf 13.20 -7.20 TD (t,o) Tj /F50 19.94 Tf 8.40 1.20 TD (fff) Tj /F49 8.20 Tf 56.40 576.72 TD (: g) Tj /F50 11.59 Tf 12.24 -578.88 TD (\(i\):) Tj /F50 13.91 Tf 31.44 -.24 TD (r#a) Tj /F50 11.04 Tf 39.12 1.44 TD (J:r) Tj /F51 6.80 Tf 22.08 -1.92 TD (tJHPnrAct, 15 D.) Tj /F49 7.59 Tf 73.44 1.20 TD (C. 168 I -) Tj /F49 6.59 Tf 32.64 0.00 TD (168 I X) Tj /F50 10.38 Tf -500.16 -5.04 TD (VI. CAUSE OF ACTION ) Tj /F50 7.62 Tf 110.40 -3.84 TD (Briefdescri) Tj /F50 8.21 Tf 39.84 0.00 TD (ionoftause:) Tj /F51 8.00 Tf -38.88 -6.96 TD (Award 0 ) Tj /F49 8.57 Tf 38.40 -.48 TD (CIVil monetary ) Tj /F49 8.96 Tf 58.56 0.00 TD (penalties and injunctive rei let tor violations ot the toregolng acts.) Tj /F50 7.26 Tf -85.92 -12.24 TD (CHECK IF THIS IS A ) Tj /F50 10.89 Tf 67.92 -.24 TD (CLAS ACTION ) Tj /F51 20.44 Tf 74.40 0.72 TD (DEMAND S ) Tj /F50 7.28 Tf 110.40 -.48 TD (CHECK YES only if ) Tj /F49 7.67 Tf 63.12 -.24 TD (dernded in ) Tj /F50 7.41 Tf 38.40 -.48 TD (tomplaint:) Tj /F50 7.04 Tf -353.76 -7.44 TD (UNDER F.) Tj /F50 6.67 Tf 32.64 0.00 TD (R.C.) Tj /F50 72.00 Tf 13.20 0.00 TD (P. 23 ) Tj /F50 9.61 Tf 206.40 -2.64 TD (JURY DEMAND: ) Tj /F50 12.42 Tf 73.68 -.24 TD (0 Yes 0 ) Tj /F51 8.67 Tf -448.56 76.56 TD (V. ORIGIN) Tj /F51 7.36 Tf 0.00 -9.84 TD (gJ I ) Tj /F50 7.06 Tf 22.08 -3.12 TD (Original) Tj /F50 9.03 Tf 0.24 -6.48 TD (Procdin) Tj /F50 9.85 Tf -22.56 -44.64 TD (VII. 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This fonn, approved by the Judicial Conference of the United States in September 1974, is ) Tj /F56 8.22 Tf 461.52 -.96 TD (require for the us) Tj /F57 8.01 Tf -461.52 -7.92 TD (of the Oerk of Court for the purpose of initiating the civil docket sheet. Consequently, a civil cover sheet is submitted to the Clerk of Court for each civil complaint) Tj /F58 5.55 Tf 0.72 -9.60 TD (fied. The attorney tiing a case should ) Tj /F56 7.50 Tf 129.84 -.24 TD (complete the fonn as follows:) Tj /F57 29.95 Tf -130.32 -12.96 TD (I. ) Tj /F58 5.64 Tf 24.96 -.24 TD (\(a\) Plaintiffs-Defendants. Enter names ) Tj /F56 7.58 Tf 132.00 0.00 TD (\(last, first, middle initial\) of plain tilT and defendant ) Tj /F57 8.00 Tf 170.64 -.48 TD (If the plaintilTor defendant is a government agency, use only) Tj /F57 8.09 Tf -327.60 -8.64 TD (the full name or standard abbreviations. ) Tj /F57 8.14 Tf 130.56 0.00 TD (IftheplaintilT or defendant is an offcial within a government agency, identify first the agency and then the offcial, giving) Tj /F57 8.07 Tf -130.80 -8.88 TD (both name and title.) Tj /F57 8.07 Tf 24.96 -12.96 TD (\(b\) County of Residence. For each civil case filed) Tj /F57 7.76 Tf 160.80 -.24 TD (, except U.) Tj /F57 8.03 Tf 34.08 0.00 TD (S. plaintiff cases, enter the name of the county where the first listed plaintiff ) Tj /F56 7.42 Tf 246.72 -.72 TD (reides at the time) Tj /F57 8.19 Tf -466.56 -7.92 TD (of filing. In U.) Tj /F57 8.10 Tf 48.24 -.24 TD (S. plaintiff cases, enter the name of the county in which the first listed defendant resides at the time of ) Tj /F57 9.85 Tf 332.40 -.72 TD (fiing. ) Tj /F57 8.03 Tf 23.52 -1.68 TD (\(NOTE: In land condemnation cases,) Tj /F57 8.32 Tf -403.92 -6.48 TD (the county ofresidence of the ") Tj /F57 8.28 Tf 102.24 0.00 TD (defendant) Tj /F57 8.52 Tf 32.88 0.00 TD (" is the loction of the tract ofland involved.) Tj /F57 8.86 Tf -110.40 -13.20 TD (\(c\) Attrneys. Enter the finn ) Tj /F56 7.50 Tf 97.92 0.00 TD (name, addres) Tj /F56 7.27 Tf 46.32 -.24 TD (, telephone number) Tj /F57 8.39 Tf 62.88 0.00 TD (, and attorney of record. If there ) Tj /F58 5.45 Tf 109.20 -.48 TD (ar several attorneys, ) Tj /F57 8.37 Tf 72.00 -.24 TD (list them on an attchment, noting) Tj /F57 8.04 Tf -412.80 -7.92 TD (in this section ") Tj /F57 8.69 Tf 50.16 0.00 TD (\(see attchment\)".) Tj /F57 19.34 Tf -48.24 -13.68 TD (II. ) Tj /F58 5.41 Tf 22.56 -.24 TD (Jurisdiction. The basis of ) Tj /F57 8.24 Tf 87.60 0.00 TD (jurisdiction is set ) Tj /F57 8.29 Tf 58.32 0.00 TD (fort under Rule 8\(a\), F .) Tj /F57 8.14 Tf 101.52 -.24 TD (, which requires that jurisdictions be shown in pleadings. Place an ") Tj /F57 8.10 Tf 220.56 -.72 TD (X" in one) Tj /F57 8.37 Tf -492.72 -7.68 TD (of the boxes. If there is more than one basis of jurisdiction, precdence is given ) Tj /F57 8.18 Tf 263.76 -.48 TD (in the order shown below.) Tj /F57 8.27 Tf -263.52 -12.96 TD (United States plaintiff. \(I\) Jurisdiction based on 28 U.) Tj /F57 8.46 Tf 185.28 -.48 TD (c. 1345 and 1348. Suits by agencies and offcers of the United States are ) Tj /F57 7.88 Tf 244.80 -.48 TD (included here.) Tj /F57 8.30 Tf -430.32 -12.24 TD (United States defendant. \(2\) When the plaintiff is suing the United States, its offcers ) Tj /F57 8.27 Tf 281.76 -.72 TD (or agencies) Tj /F57 8.18 Tf 37.92 0.00 TD (, place an ") Tj /F57 8.24 Tf 36.48 -.24 TD (X" in this box.) Tj /F57 8.60 Tf -356.16 -12.00 TD (鶹ý question. \(3\) This refers to suits under 28 U.) Tj /F58 6.06 Tf 187.20 -.72 TD (C. 1331) Tj /F57 8.49 Tf 26.88 0.24 TD (, where jurisdiction arises under the Constitution of the United States) Tj /F56 7.39 Tf 235.20 -.96 TD (, an amendment to the) Tj /F57 8.13 Tf -449.28 -7.68 TD (Constitution, an act of Congress or a treaty of the United States. In cases where the U.) Tj /F57 8.01 Tf 280.08 -.72 TD (S. is a party, the U.) Tj /F57 8.06 Tf 62.16 0.00 TD (S. plaintiff or defendant code takes precedence. and box) Tj /F57 8.10 Tf -341.28 -7.92 TD (I or 2 should be marked.) Tj /F57 8.30 Tf -.96 -13.20 TD (Diversity of citienship. \(4\) This refers to suits under ) Tj /F56 7.23 Tf 174.72 -.24 TD (28 U.) Tj /F57 8.36 Tf 24.48 -.48 TD (C. 1332, where parties are citizen of different states. ) Tj /F57 8.00 Tf 176.88 -.24 TD (When Box 4 is checked, the citizenship of the) Tj /F56 7.43 Tf -376.08 -8.16 TD (different parties must be checked. \(See Section ) Tj /F58 5.54 Tf 158.16 -.48 TD (II below; federl question actions take ) Tj /F58 5.69 Tf 129.60 0.00 TD (precedence over diversity cass.) Tj /F56 14.83 Tf -287.52 -13.20 TD (II I. ) Tj /F57 8.45 Tf 24.72 0.00 TD (Residence \(citizenship\) of Principal ) Tj /F56 8.46 Tf 122.88 -.24 TD (Partes This ) Tj /F57 7.98 Tf 45.12 0.00 TD (section of the JS 44 is to be completed if diversity of citizenship was indicated above. Mark this ) Tj /F57 8.22 Tf 308.16 -1.44 TD (section) Tj /F57 8.31 Tf -501.36 -6.96 TD (for each principal pary.) Tj /F57 15.90 Tf 0.48 -13.68 TD (IV. ) Tj /F57 9.22 Tf 24.72 0.00 TD (NatureorSuit Place ) Tj /F57 7.79 Tf 72.24 -.24 TD (an ") Tj /F57 8.07 Tf 12.96 0.00 TD (X" in the appropriate box. If the nature ofsuit cannot bedetennined. be sure the cause of action, in Section ) Tj /F57 7.88 Tf 342.72 -1.20 TD (VI below) Tj /F57 8.35 Tf 30.00 -.24 TD (, is suffcient) Tj /F57 8.19 Tf -483.12 -7.20 TD (to enable the deputy clerk or the statistical clerks in the Administrative Offce to ) Tj /F57 8.23 Tf 262.80 -.72 TD (detennine the nature of suit. If the cause fits more than one nature of ) Tj /F57 7.96 Tf 227.04 -.96 TD (suit, select) Tj /F57 7.99 Tf -489.60 -7.20 TD (the most definitive.) Tj /F57 20.03 Tf 0.00 -13.44 TD (V. ) Tj /F58 5.76 Tf 24.48 -.24 TD (Origin. Place an ") Tj /F57 8.16 Tf 62.64 -.24 TD (X" in one of the seven boxes.) Tj /F57 8.37 Tf -87.36 -12.72 TD (Original Proceedings. \(I\) Cases which originate in the United States district court.) Tj /F58 6.18 Tf 0.00 -13.20 TD (Removed from State Court ) Tj /F57 8.40 Tf 92.64 -.24 TD (\(2\) Proceedings initiate in state ) Tj /F57 8.45 Tf 106.56 -.48 TD (court may be removed to ) Tj /F58 5.58 Tf 86.64 -.24 TD (the distct court under Title 28 U.) Tj /F56 7.52 Tf 120.72 -.72 TD (c., Section 1441. When the petition) Tj /F56 7.41 Tf -406.08 -7.20 TD (for removal is granted, check this box.) Tj /F57 8.32 Tf -.48 -13.44 TD (Remanded from Appellate Coun. \(3\) Check this box for cases remanded to the distrct court for ) Tj /F58 5.52 Tf 317.28 -1.20 TD (furter action. Use the date of ) Tj /F57 8.28 Tf 102.72 -.24 TD (remand as the fiing date.) Tj /F57 8.30 Tf -419.76 -12.00 TD (Reinstated or Reopened. \(4\) Check this box for cases reinstated or reopened in the distrct ) Tj /F58 7.02 Tf 297.60 -1.20 TD (com. Use ) Tj /F57 8.70 Tf 37.92 0.00 TD (the repening date as the tiing date.) Tj /F57 8.32 Tf -335.76 -12.24 TD (Transferred from Another District. \(5\) For cases ) Tj /F58 6.51 Tf 162.72 -.48 TD (trnsferr under ) Tj /F56 7.90 Tf 58.56 -.48 TD (Title 28 U.) Tj /F57 8.48 Tf 43.44 -.24 TD (C. Section 1404\(a\). Do not use this for within distrct ) Tj /F57 9.09 Tf 180.48 -.72 TD (trnsfers or multidistct) Tj /F56 7.97 Tf -445.20 -6.96 TD (litigation trnsfers.) Tj /F57 8.11 Tf 0.24 -13.68 TD (Multidistrict Litigation. \(6\) Check this box when a multidisuict case is ) Tj /F56 7.65 Tf 230.16 -.72 TD (transferrd into the district under authority of Title 28 U.) Tj /F56 7.30 Tf 190.32 -.96 TD (C. Section 1407. When this box) Tj /F57 8.12 Tf -420.48 -7.20 TD (is checked, do not check \(5\) above.) Tj /F57 8.68 Tf -.24 -13.20 TD (Appal to Distrct Judge from ) Tj /F56 7.66 Tf 99.60 -.48 TD (Magistrate Judgment. \(7\) Check this box for an appel from a ) Tj /F56 7.97 Tf 206.16 -.72 TD (magistrte judge) Tj /F57 8.13 Tf 57.36 0.00 TD (s decision.) Tj /F57 16.05 Tf -363.36 -12.24 TD (VI. ) Tj /F57 8.20 Tf 24.96 0.00 TD (Cause of Action. Report the civil statute ) Tj /F58 5.03 Tf 133.92 -.48 TD (diretly related to the ) Tj /F56 7.25 Tf 69.36 -.48 TD (cause of action and give a brief description of the cause. Do Dot cite ) Tj /F58 5.43 Tf 220.80 -.48 TD (jurisdictional statutes) Tj /F58 9.00 Tf -448.56 -7.68 TD (unless diversity. ) Tj /F58 11.02 Tf 97.20 0.00 TD (Example: U.) Tj /F57 8.12 Tf 73.44 -.48 TD (S. Civil Statute: 47 USC 553) Tj /F58 5.00 Tf -7.92 -6.48 TD (Brief Description: ) Tj /F57 51.05 Tf 60.96 -.48 TD (tJ ) Tj /F57 8.85 Tf 46.80 0.00 TD (recetion of cable ) Tj /F57 7.68 Tf 61.20 -.24 TD (selVice) Tj /F57 13.35 Tf -332.16 -12.00 TD (VII. ) Tj /F57 9.13 Tf 25.20 -.48 TD (Requested in Complaint ) Tj /F57 8.73 Tf 90.48 0.00 TD (Clas Action. Place an ") Tj /F57 8.35 Tf 81.12 -.48 TD (X" in this box if you are tiling a class acton under Rule 23) Tj /F56 6.98 Tf 194.88 -.48 TD (, F.) Tj /F57 7.79 Tf 18.24 0.00 TD (Cv.) Tj /F57 8.19 Tf -409.92 -12.48 TD (Demand. In this space enter the doUar amount \(in thousands of dollars\) being demanded or indicate other demand such as a preliminary injunction.) Tj /F57 8.29 Tf 0.00 -13.20 TD (Jury Demand. Check the appropriate box to indicate whether or not ajury is being demanded.) Tj /F57 13.22 Tf 0.24 -13.44 TD (VII. ) Tj /F56 7.52 Tf 24.96 -.24 TD (Related Cases. This section of the JS 44 is ) Tj /F56 7.68 Tf 145.44 -.72 TD (used to referene related pending cass ) Tj /F57 8.36 Tf 131.04 -.24 TD (if any. If there are related pending cases, insert the ) Tj /F58 6.52 Tf 170.88 -.72 TD (doket numbers) Tj /F57 8.17 Tf -472.56 -7.20 TD (and the corresponding judge names for such cases.) Tj /F57 8.70 Tf 0.24 -13.20 TD (Date and Attorney Signature. Date and sign ) Tj /F57 8.09 Tf 154.08 -.48 TD (the civil cover sheet.) Tj ET Q endstream endobj 59 0 obj << /Title (CPY Document) >> endobj xref 1 2 0000328578 00000 n 0000328637 00000 n 52 8 0000328756 00000 n 0000328920 00000 n 0000404326 00000 n 0000329448 00000 n 0000329067 00000 n 0000329194 00000 n 0000329323 00000 n 0000415285 00000 n trailer << /Size 60 /Prev 328251 /Root 1 0 R /Info 59 0 R /ID [(240319971106618706) (10736192337525088) ] >> startxref 415337 %%EOF 1 0 obj<> endobj 59 0 obj<> endobj 60 0 obj<> endobj 61 0 obj<>stream application/pdf Far West Credit, Inc. Complaint for Civil Penalties, Injunctive, and Other Relief 2006-01-17T11:47:07-05:00 2006-01-17T11:47:07-05:00 2006-01-17T11:47:07-05:00 uuid:c69f86fa-d8a9-4d99-aa6b-d984415bb789 uuid:e8eaa339-e041-4f9c-906b-22f40f1d1677 endstream endobj xref 1 1 0000415702 00000 n 59 3 0000415762 00000 n 0000415871 00000 n 0000416051 00000 n trailer <<57515E8BFD451D448AAE34BA47B54F1D>]/Prev 415337 >> startxref 419496 %%EOF