On August 5th, 2017, while enjoying the thrills and frills of a Six Flags theme park, Hugo and Sharon Soto used their debit cards to purchase food five separate times during their outing. After processing each payment for their food purchases, Six Flags issued them a receipt that contained all twelve digits of their debit card number. The Sotos sued in state court on behalf of themselves and a putative class arguing that these receipts violated the federal Fair Credit Reporting Act (FCRA), amended by the Fair and Accurate Credit Transactions Act (FACTA), which prohibits the printing of more than the last five digits of a credit or debit card number on an electronically printed receipt. The Sotos argued that their injury consisted of the chance that the receipts that they had thrown away could compromise their payment card information; however, they did not allege that their credit or debit card information had actually been compromised.
Volume 170Issue 1 2022 Essay