California Codes

Cal. Civil Code § 1785.34 (2026)

✓ current as of May 2026

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(a)Any consumer credit reporting agency or user of information against whom an action brought pursuant to Section 1681n or 1681o of Title 15 of the United States Code is pending shall not be subject to suit for the same act or omission under Section 1785.31.

(b)The entry of a final judgment against a consumer credit reporting agency or user of information in an action brought pursuant to the provisions of Section 1681n or 1681o of Title 15 of the United States Code shall be a bar to the maintenance of any action based on the same act or omission which might be brought under this chapter.

Notes of Decisions

Cited in 4 cases, 1995–2020 · leading case: Cisneros v. U.D. Registry, Inc., 95 Cal. Daily Op. Serv. 8240 (Cal. Ct. App. 1995).

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Cisneros v. U.D. Registry, Inc., 95 Cal. Daily Op. Serv. 8240 (Cal. Ct. App. 1995). “” (Civ. Code, § 1785.34, subd. (a).) The trial court ruled that this section “is intended to .”

Cunha v. IntelliCheck, LLC, 254 F. Supp. 3d 1124 (N.D. Cal. 2017). “” Cal. Civ. Code § 1785.34 . And a California court of appeal has held that Section 1785.”

Ramirez v. Trans Union, LLC, 899 F. Supp. 2d 941 (N.D. Cal. 2012). · cites it 2× “” 2 Cal. Civil Code § 1785.34 (a). Defendant argues that Plaintiffs CCRAA claims are barred because the FCRA claims “are pending” by virtue of having been filed in this case, or, in the alternative, were pending when Plaintiff filed a FCRA action in the Eastern District of…”

Sosa v. CashCall, Inc. (Cal. Ct. App. 2020). “(Civ. Code, § 1785.34.) Under the FRCA, the term “firm offer of credit” is defined as “any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used…”

— Cal. Civil Code § 1785.34(a) — 1 case

Ramirez v. Trans Union, LLC, 899 F. Supp. 2d 941 (N.D. Cal. 2012). “” 2 Cal. Civil Code § 1785.34 (a). Defendant argues that Plaintiffs CCRAA claims are barred because the FCRA claims “are pending” by virtue of having been filed in this case, or, in the alternative, were pending when Plaintiff filed a FCRA action in the Eastern District of…”

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