David I. SCOTT, Plaintiff-Appellant, v. MACY'S, AKA DSNB Macy's Inc.; et al., Defendants-Appellees, 693 F. App'x 592

MEMORANDUM David I. Scott appeals pro se from the district court’s judgment dismissing his diversity action alleging claims related to his credit card account. We have jurisdiction under 28 U.S.C. § 1291. We review de novo a district court’s dismissal under Federal Rule of Civil Procedure 12(b)(6). Hebbe v. Pliler, 627 F.3d 338, 341 (9th Cir. 2010), We affirm in part, vacate in part, and remand. The district court properly dismissed Scott’s claims under the Fair Credit Reporting Act (“FCRA”) because Scott cannot bring a private action under 16 U.S.C. § 1681s-2(

a) and Scott failed to allege facts sufficient to show that he notified a consumer reporting agency about the dispute under § 1681s-2(b). See Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147, 1154 (9th Cir. 2009) (under the FCRA, 15 U.S.C. § 1681s-2(

a) does not create a private right'of action and the duties under § 1681s-2(

b) arise only after the furnisher of financial information receives notice of the consumer’s dispute from a credit reporting agency). The district court properly dismissed Scott’s negligent infliction of emotional distress claim because Scott failed to allege facts sufficient to state a plausible claim. See Haubry v. Snow, 106 Wash.App. 666, 31 P.3d 1186, 1193 (2001) (setting forth elements of claim for negligent infliction of emotional distress under Washington law).

The district court did not abuse its discretion by denying leave to amend as to Scott’s FCRA and negligent infliction of emotional distress claims, or denying Scott’s requests for leave to file his proposed amended complaints because amendment would have been futile. See Gardner v. Martino, 563 F.3d 981, 990, 992 (9th Cir. 2009) (denial of leave to amend is appropriate where amendment would be futile); see also Far W. Fed. Bank, S.B. v. Office of Thrift Supervision-Dir., 119 F.3d 1358, 1364 (9th Cir. 1997) (frustration of purpose is an excuse for non-performance, not a cause of action for breach of contract).

The district court dismissed without leave to amend Scott’s Fair Credit Billing Act claim under 15 U.S.C. § 1666(a). However, dismissal without leave to amend was premature because it is not absolutely clear that the deficiencies could not be cured by amendment. See Am. Exp. Co. v. Koerner, 452 U.S. 233, 237, 101 S.Ct. 2281, 68 L.Ed.2d 803 (1981) (under § 1666(

a) once a creditor receives a notice of billing error, it must investigate the matter within 90 days or two complete billing cycles, whichever is shorter); see also Lucas v. Dep’t of Corr., 66 F.3d 245, 248 (9th Cir. 1995) (“Unless it is absolutely clear that no amendment can cure the defect, ... a pro se litigant is entitled to notice of the complaint’s deficiencies and an opportunity to amend prior to dismissal of the action.”); Lopez v. Smith, 203 F.3d 1122, 1130 (9th Cir. 2000) (en banc) (setting forth standard of review).

Specifically, Scott raised details about his billing cycles in his motion for reconsideration. Although Scott did not allege the billing cycle information in his proposed amended complaint filed with his motion for reconsideration, he should be given an opportunity to amend prior to dismiásal of this claim. We vacate the judgment in part and remand to allow Scott an opportunity to file an amended complaint as to his 15 U.S.C. § 1666(

a) claim only. We do not consider issues not specifically and distinctly raised and argued in the opening brief. See Padgett v. Wright, 587 F.3d 983, 985 n.2 (9th Cir. 2009). The parties shall bear their own costs on appeal. AFFIRMED in part, VACATED in part, and REMANDED. This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3.