No. 25-1194October Term 2025DismissedUpdated Sep 5, 2026
Eva Migliore, By Her Next Friend Joseph Migliore v. Sunlight Financial
Case status
Where it stands
The case ended without a full Supreme Court ruling on the merits.
What it's about
This case concerned whether the Fair Credit Reporting Act allows a company to obtain a person’s consumer credit report when the person neither initiated the credit transaction nor authorized the report’s use. The petition challenged the Third Circuit’s ruling on that issue, but the Supreme Court dismissed the case without deciding it.
Question presented
Is it permissible for a company to use or obtain a credit report without the consumer’s initiation of a credit transaction or authorization, as the Third Circuit held below in this case of forgery and fraud—thereby allowing a company to pull a credit report on any person at any time without their participation or consent?
Why it matters
Credit reports contain sensitive financial information. The dispute affects consumers whose reports may be sought in transactions they did not initiate, including alleged fraud or forgery cases.
The case raised a consumer-privacy question about the limits on who may access credit reports and when.
Case file
Documents
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AI analysis generated: Case Briefing
Brief added: Petition
More questions
- What is at stake in Migliore v. Sunlight Financial?
- The case concerns whether companies may access a consumer's credit report for a credit transaction the consumer did not initiate or authorize.
- Who could be affected by this credit-report dispute?
- Consumers could be affected when a company seeks their credit information in a transaction linked to alleged fraud or forgery. Companies using credit reports could also be affected.
- What happens next in Migliore v. Sunlight Financial?
- The Supreme Court dismissed the case without deciding the legal question. No decision window is set.
Sources
Primary materials plus reporting. Best-effort analysis: this explainer relies on a mix of primary materials and trusted secondary sources. Official filings and opinions remain authoritative.