Case Explained: KULIKOVA V. NEWREZ, LLC, ET AL.

Court: United States Court of Appeals for the Ninth Circuit Filed: 2026-07-30 Docket: 3:24-cv-01864-MMC The ninth-circuit affirmed the district court’s dismissal of Monika Kulikova’s action alleging violations of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and wrongful foreclosure under California law. The court reviewed the dismissal de novo and held that the district court properly dismissed the FDCPA claims because the defendants, acting as nonjudicial foreclosure trustees, do not qualify as “debt collectors” under the relevant statutory sections. Regarding the FCRA claims, the court affirmed dismissal because Kulikova failed to allege sufficient facts demonstrating that the information furnished to credit reporting agencies was inaccurate. The wrongful foreclosure claim was also properly dismissed because Kulikova did not allege she tendered the amount of the secured indebtedness or was excused from doing so. The court rejected Kulikova’s procedural arguments regarding the lack of a hearing and alleged tampering with exhibits as meritless, declined to consider her abandoned RICO claims which were not repleaded in an amended complaint, and denied all pending motions. Do It For The Case Law is a news reporting service. Nothing in this episode constitutes legal advice.