MEMORANDUM AND ORDER Pro se plaintiff Hakim Mitchell sued defendant Experian Information Solutions, Inc. in New York state court, alleging violations of multiple provisions of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. §1681 et seq., and defamation under New York state law. After removing the case to federal court, see Not. of Removal (Dkt. #1), Experian moved to dismiss the complaint for failure to state a claim under Federal Rule of Civil Procedure 12(b)(6). For the reasons set out below, defendant’s motion is granted. BACKGROUND On July 27, 2022, plaintiff filed a Summons with Notice in New York County Civil Court, stating that plaintiff was suing three credit reporting agencies — Experian, TransUnion LLC, and Equifax Information Services, LLC — “for defamation of Character” and seeking $50,000 in damages. Not. of Removal, Ex. A 2-3 (ECF Pagination) (Dkt. #1-2) (“State Court Filings”). Subsequently, plaintiff voluntarily dismissed his claims against both TransUnion and Equifax, leaving Experian as the only defendant. See State Court Filings 4-5. Experian then served plaintiff with a demand for complaint pursuant to N.Y. C.P.L.R. §3012(b), see Not. of Removal 2 n.1; State Court Filings 7. On September 13, 2022, plaintiff responded by filing a one-page complaint. State Court Filings 9 (“Compl.”).1 The complaint alleges that plaintiff “contacted Experian every month for three years to current by certified mail with proof regarding negatively reporting accounts and inaccurate information and willful noncompliance,” and that as a result Experian was “in violation of [plaintiff's] rights” under various provisions of the FCRA. Id. at 1. Specifically: Plaintiff asserts that defendant violated 15 U.S.C. §1681a(d)(2)(B), seemingly because plaintiff’s credit report did not exclude a transaction that was “supposed to be excluded” because “a social security card was used in the transaction.” Compl. 2. Plaintiff asserts that defendant violated 15 U.S.C. §§1681e(b) and 1681i(5) because plaintiff’s credit report was not “100 percent accurate.” Compl. 3. Plaintiff asserts that defendant violated 15 U.S.C. §1681i(7) because his “account…was reported without valid evidence.” Compl. 4. Plaintiff asserts that defendant violated 15 U.S.C. §1681i(5)(B)(ii)-(iii) because some “item was deleted” — presumably from plaintiff’s credit report — and then was “reinserted…without notifying [plaintiff within] 5 days.” Compl. 5. Finally, plaintiff asserts that defendant violated 15 U.S.C. §1681b because he “never gave [defendant] any written consent to report anything on [his] reports.” Compl. 6. Plaintiff’s complaint did not contain any allegations regarding the defamation claim mentioned in the earlier Summons with Notice. Compare Compl., with State Court Filings 2-3. Experian moves to dismiss the complaint under Rule 12(b)(6). Mot. to Dismiss (Dkt. #9). STANDARD OF REVIEW Federal Rule of Civil Procedure 12(b)(6) permits a defendant to move to dismiss a complaint for “failure to state a claim upon which relief can be granted.” To avoid dismissal on that basis, a complaint must “state a claim to relief that is plausible on its face.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009). “A claim has facial plausibility when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ibid. (discussing Fed. R. Civ. P. 8). The facial “plausibility standard is not akin to a probability requirement,” but it requires a plaintiff to allege sufficient facts to allow “the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Ibid. (citing Bell Atl. Corp. v. Twombly, 550 U.S. 544, 556-57 (2007)) (quotation marks omitted). “A well-pleaded complaint may proceed even if it strikes a savvy judge that actual proof [of the facts alleged] is improbable, and that a recovery is very remote and unlikely.” Twombly, 550 U.S. at 556 (quotation marks omitted). At the motion-to-dismiss stage, a court may consider only (i) the complaint itself, (ii) documents either attached to the complaint or incorporated in it by reference, (iii) documents the plaintiff relied on and knew of when bringing suit, and (iv) matters in the public record that are subject to judicial notice. See, e.g., ATSI Commc’ns, Inc. v. Shaar Fund, Ltd., 493 F.3d 87, 98 (2d Cir. 2007); Sira v. Morton, 380 F.3d 57, 67 (2d Cir. 2004); Leonard F. v. Israel Disc. Bank of New York, 199 F.3d 99, 107 (2d Cir. 1999). When reviewing the complaint on a motion to dismiss, the court must accept all facts alleged in a complaint as true. Iqbal, 556 U.S. at 678. The court, however, is not obligated to adopt “mere conclusory statements” or “threadbare recitals of the elements of a cause of action” that are not “supported by factual allegations.” Id. at 678-79. The complaint of a pro se plaintiff must be “liberally construed, and…however inartfully pleaded, must be held to less stringent standards than formal pleadings drafted by lawyers.” Erickson v. Pardus, 551 U.S. 89, 94 (2007) (quotation marks and citations omitted). Pro se status, however, does not “‘exempt a party from compliance with relevant rules of procedural and substantive law.’” Triestman v. Fed. Bureau of Prisons, 470 F.3d 471, 477 (2d Cir. 2006) (quoting Traguth v. Zuck, 710 F.2d 90, 95 (2d Cir. 1983)). DISCUSSION Plaintiff has not plausibly alleged that Experian violated the FCRA or defamed him, so the complaint is dismissed. I. Plaintiff’s FCRA Claims Are Dismissed Plaintiff has failed to plausibly allege any violations of the FCRA. Plaintiff asserts that defendant violated several provisions of the FCRA — Sections 1681a, 1681b, 1681e, and 1681i — but has failed to “plead[] factual content that allows the court to draw the reasonable inference that the defendant is liable” under any of those provisions. Iqbal, 556 U.S. at 678. Section 1681a. Plaintiff cites Section 1681a(d)(2)(B) and seems to argue that defendant is liable under that section for including information in his credit report that was “supposed to be excluded.” Compl. 2.2 But Section 1681a(d)(2) does not impose any substantive obligations on credit reporting agencies; instead, it is a definitional provision explaining that certain reports are not “consumer report[s]” within the meaning of the FCRA, and thus not subject to its requirements. See, e.g., Rivera v. TransUnion, No. 22-CV-1038 (MPS), 2022 WL 17370506, at *3 (D. Conn. Oct. 31, 2022) (rejecting plaintiff’s claim that “ TransUnion ‘includ[ed] excluded experiences like transactional information’” under Section 1681a(d)(2) because that section “actually provides that a report containing [certain] information…does not qualify as a consumer report subject to the FCRA” and thus “do[es] not articulate [a] dut[y] that TransUnion owed to plaintiff”). This provision accordingly cannot form the basis of any cause of action. See ibid. In any event, plaintiff has not alleged “what information [defendant] allegedly reported” that was supposed to be excluded, when, “to whom, or any other information that could support such a claim.” Henry v. Flagstar Bank, FSB, No. 16-CV-1504 (JMA) (AKT), 2019 WL 1471267, at *2 (E.D.N.Y. Mar. 31, 2019). Accordingly, he has failed to state a claim under Section 1681a. Section 1681b. Plaintiff next asserts that defendant violated Section 1681b, which sets out the permissible purposes for which a credit reporting agency may furnish a consumer report to a third party, because plaintiff “never gave [defendant] any written consent to report anything on [his] consumer reports.” Compl. 6. But Section 1681b requires a credit reporting agency to obtain a consumer’s consent only in very limited circumstances involving employment relationships, underage consumers, and medical information, see Rivera, 2022 WL 17370506, at *3, and plaintiff has alleged no facts indicating any of those narrow carveouts is applicable here. Absent such an allegation, Section 1681b provides that a credit reporting agency “may furnish a consumer report” for certain permissible purposes, 15 U.S.C. §1681b(a) (emphasis added), and to state a cause of action under that provision, “a plaintiff must allege both that the defendant used or obtained the plaintiff’s credit report for an impermissible purpose, and that the violation was willful or negligent,” Braun v. Client Servs. Inc., 14 F. Supp. 3d 391, 396 (S.D.N.Y. 2014) (citation omitted). Plaintiff has not done so here. Sections 1681e and 1681i. Finally, plaintiff invokes Sections 1681e and 1681i, the portions of the FCRA requiring credit reporting agencies to “follow reasonable procedures to assure maximum possible accuracy,” 15 U.S.C. §1681e(b), and to take a series of actions when a consumer disputes the accuracy of information contained in his file, see 15 U.S.C. §1681i. See Compl.
