See Spokeo, 578 U.S. at 339. Therefore, Plaintiff has met her burden of establishing an injuryin-fact that is concrete and particularized based on the harm alleged. See Harris v. Nissan-Infiniti LT, No. 2:17-cv-191-JCM-VCF, 2018 WL 387397, at *4 (D. Nev. Jan. 11, 2018) (holding that plaintiff who allegedly suffered credit denials, fear of credit denials, out of pocket expenses and emotional distress plead concrete injury sufficient to satisfy Article III's injuryin-fact requirement). Having found that Plaintiff has Article III standing, the Court next evaluates the facial plausibility of Plaintiff's claims under the FCRA.
Because transportation costs are recoverable as an out-of-pocket expense, Plaintiff has sufficiently alleged a concrete injury for Article III standing. See Grove v. Wells Fargo Fin. California, Inc., 606 F.3d 577, 580 (9th Cir. 2010) (holding that, because the FCRA provides for "reasonable attorney's fees," district courts have discretion to award out-of-pocket expenses like travel costs to the prevailing party); Uehara v. TD Bank, Nat'l Ass'n, Case No. 2:17-cv-190-GMN-CWH, 2018 WL 1472712, at *3 (D. Nev. Mar. 26, 2018) (holding that plaintiff has standing where he pled he incurred "out-of-pocket expenses in challenging the defendants' wrongful representations"); Harris v. Nissan-Infiniti LT, Case No. 2:17-cv-191-JCM-VCF, 2018 WL 387397, at *4 (D. Nev. Jan. 11, 2018) (holding that plaintiff sufficiently pled a concrete injury where she alleged she suffered actual harm in the form of "out-of-pocket expenses").
A discharged debt or a balance of $0 cannot be "owing" or "past due." See Harris v. Nissan-Infiniti LT, No. 2:17-cv-191, 2018 WL 387397, at *3 (D. Nev. Jan. 11, 2018) (holding that "a plaintiff's FCRA claim must allege the defendant failed to indicate that the debt was discharged or reduced to a zero-balance") (internal quotations omitted). Accordingly, Solomon adequately alleges that Trans Union reported "inaccurate information."
Therefore, Plaintiff has met its burden of establishing an injury-in-fact that is concrete and particularized based on the harm alleged. See Harris v. Nissan-Infiniti LT, No. 2:17-cv-191-JCM-VCF, 2018 WL 387397, at *4 (D. Nev. Jan. 11, 2018) (holding that plaintiff who allegedly suffered credit denials, fear of credit denials, out of pocket expenses and emotional distress plead a concrete injury sufficient to satisfy Article III's injury-in-fact requirement). Accordingly, Plaintiff has plead a concrete injury sufficient to establish Article III standing.