Thomas Merck, individually and as a representative of the Class v. Walmart, Inc.

RECOMMENDED FOR PUBLICATION
Pursuant to Sixth Circuit I.O.P. 32.1(b)
File Name: 24a0187p.06
UNITED STATES COURT OF APPEALS
FOR THE SIXTH CIRCUIT
THOMAS MERCK, individually and as a representative
of the Class,
Plaintiff-Appellant,
v.
WALMART, INC.,
Defendant-Appellee.
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No. 23-3698
Appeal from the United States District Court for the Southern District of Ohio at Columbus.
No. 2:20-cv-02908—Sarah Daggett Morrison, District Judge.
Argued: July 18, 2024
Decided and Filed: August 20, 2024
Before: CLAY, McKEAGUE, and READLER, Circuit Judges.
_________________
COUNSEL
ARGUED: Thomas Scott-Railton, GUPTA WESSLER LLP, Washington, D.C., for Appellant.
James N. Boudreau, GREENBERG TRAURIG, LLP, Philadelphia, Pennsylvania, for Appellee.
ON BRIEF: Thomas Scott-Railton, Matthew W.H. Wessler, GUPTA WESSLER LLP,
Washington, D.C., E. Michelle Drake, Joseph C. Hashmall, BERGER MONTAGUE PC,
Minneapolis, Minnesota, for Appellant. James N. Boudreau, GREENBERG TRAURIG, LLP,
Philadelphia, Pennsylvania, Naomi G. Beer, GREENBERG TRAURIG, LLP, Denver, Colorado,
for Appellee. Brianne J. Gorod, CONSTITUTIONAL ACCOUNTABILITY CENTER,
Washington, D.C., for Amicus Curiae.
>

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No. 23-3698 Merck v. Walmart, Inc. Page 2
_________________
OPINION
_________________
McKEAGUE, Circuit Judge. Before an employer can take any adverse action against a
prospective employee based on a negative consumer report, the Fair Credit Reporting Act
requires that the employer provide him with a copy of the report. When Thomas Merck applied
to work at Walmart, he forgot to disclose an old misdemeanor conviction. The conviction came
up on a consumer report. Walmart—through a third-party vendor—gave Merck an incomplete
version of the report that listed his misdemeanor and indicated he was “not competitive” for a job
at Walmart, even though it had already given him a conditional job offer. Then Walmart revoked
the offer.
The question is whether Merck has constitutional standing to sue Walmart under the Act
for the procedural injury he alleges he suffered when Walmart failed to give him the full
consumer report. Merck has failed to point to sufficient evidence of adverse effects to survive
summary judgment on his informational-injury theory of standing. And his other standing
theories fail as a matter of law. We AFFIRM the district court.
I.
A. Facts
In April 2016, Thomas Merck applied to work in an entry-level position at the Walmart
in Coshocton, Ohio. Walmart decided to interview Merck within a month after he applied. After
the interview, the interviewer told Merck that “everything looked really good.” Merck Dep.,
R.105-3 at PageID 2267. She saw no reason why he “would not be hired.” Id. Then she told him
that they “had to do a background check as a formality.” Id. “As soon as that came back,” Merck
testified that “[he] would be contacted with a schedule to start.” Id. At this point, Walmart had
extended Merck a job offer conditioned on the successful completion of a background check.
Walmart asked Merck to fill out a form authorizing the background check. It also asked
him to fill out another form indicating whether he had any prior criminal convictions. Merck

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affirmed that, no, he did not have any prior convictions. He later testified that he had forgotten
entirely about a misdemeanor that had occurred roughly fifteen years prior.
Using that authorization, Walmart ordered a background report on Merck from a third-
party vendor. The vendor’s investigation uncovered Merck’s misdemeanor conviction. Under
Walmart’s policy, the vendor scored Merck’s report as “Not Competitive”—meaning that Merck
would not be hired—because he had not disclosed the conviction.
The vendor sent Merck a version of the report that indicated—under the “County
Record” section of the criminal background check—that he was “Not Competitive” to be hired at
Walmart. The report said that the vendor had uncovered “public record information that is likely
to have an adverse effect on your ability to obtain employment” with Walmart. Merck Report,
R.101-10 at PageID 1841. Merck’s misdemeanor conviction appeared later in the document. The
vendor sent Merck an accompanying letter explaining his rights under the Fair Credit Reporting
Act. The communication further urged Merck to call the vendor’s compliance department if he
believed any of the information in the report was inaccurate or incomplete. Walmart received a
slightly different version of the report. On Walmart’s version, under Merck’s “County Record”
section, the report indicated that Merck was “Not Competitive.” But the report also listed a
code—“Grade Description: R3.” To Walmart, that code indicated that the vendor had found an
item that had not been disclosed by the job applicant. Just over a week after the vendor sent the
initial report, Walmart sent Merck a final notice explaining that it had revoked his conditional
job offer.
Before the final notice, Merck called either the vendor or Walmart to ask why he was
“Not Competitive” according to his background check. He doesn’t remember much about what
he was told, but he remembers thinking that he had not received an adequate answer. He testified
that if he had seen the “R3” code listed on the report that he received, he would have at least
asked Walmart what it meant. He says that, without additional context, he thought maybe he
hadn’t been hired because of the conviction.
But Merck didn’t know he hadn’t been hired because of his failure to disclose the
conviction. See Merck Dep., R.105-3 at PageID 2219; see also Magistrate Judge Order, R.70 at

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PageID 927–28 (explaining that “isolated testimony” suggesting that Merck thought his failure to
be hired might have been caused by a failure to disclose the conviction was “taken out of
context” and “stood in contrast” to his “more specific testimony” that he didn’t learn about the
real basis of the adverse action until later). Merck and his attorneys affirmed that they didn’t
know about the code indicating a self-disclosure issue until March 2019, when he began
discovery in separate litigation with the third-party vendor. Merck testified several times—and
his attorney clarified—that he thought his application had been rejected because of the
conviction itself, not his failure to disclose it. See Merck Dep., R. 105-3 at PageID 2219–22,
2237–38, 2306.
Walmart acknowledged that if Merck had initially disclosed the misdemeanor, he would
have been scored a “Competitive” applicant. But a Walmart employee also testified that, because
the background report contained accurate information about his conviction, his only option under
then-effective Walmart policy was to reapply—in other words, he could not have changed the
outcome by explaining the mistake. And although Merck argues that there is “uncertainty” about
Walmart’s exercise of its “final hiring authority,” see Reply Br. 22, he doesn’t point to any
specific evidence in the record suggesting Walmart would have acted contrary to its policy had
he been able to explain his mistake.
Later in 2016, Merck applied twice more for a job at Walmart. He never received another
interview, conditional offer, or formal opportunity to fill out a criminal-record history for
Walmart. He notes that he may have called Walmart several times to check on the status of his
later applications, though he doesn’t specifically remember doing so.
In 2016 he sued the third-party vendor for violating the Fair Credit Reporting Act by
disclosing adverse information about him that was more than seven years old. He settled his
claims with the vendor. In early 2017, he applied to another job with a different employer—this
time, disclosing his misdemeanor conviction when the employer asked him about his
background. He did so, he says, because he “found out” that the misdemeanor “held . . . up” his
job offer at Walmart, and he wanted to make sure potential future employers knew about it.
Merck Dep., R.105-3 at PageID 2213. He got the job.

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B. Procedural History
Merck began this lawsuit in June 2020. He asserts one claim on behalf of himself and a
putative class, contending that Walmart violated the Fair Credit Reporting Act by willfully
“failing to provide applicants and employees with a full copy of their consumer reports prior to
taking adverse action against them.” Am. Compl., R.16 at PageID 74; see 15 U.S.C.
§§ 1681b(b)(3)(A), 1681n. The district court denied Walmart’s first attempt to dismiss,
reasoning that Merck had standing because he adequately alleged he was deprived of a
procedural benefit under the Act.
Soon thereafter, the Supreme Court handed down TransUnion LLC v. Ramirez, 594 U.S.
413 (2021), which clarified how to assess a plaintiff’s constitutional standing under the Fair
Credit Reporting Act. This Court also decided Ward v. Nat’l Patient Acct. Servs. Sols., Inc., 9
F.4th 357 (6th Cir. 2021) [hereinafter Ward I], which applied the TransUnion framework to
assess constitutional standing in an action under the Fair Debt Collection Practices Act.
Specifically, Ward I clarified that a procedural violation, standing alone, does not create a
concrete injury in fact under TransUnion’s constitutional standing doctrine. Ward I, 9 F.4th at
361. And the Ward I panel further found the plaintiff had suffered no concrete harm that “flowed
from” the statutory violation. Id. at 363 (cleaned up). So he had failed to establish constitutional
standing.
With the benefit of new caselaw, Walmart renewed its standing argument in a motion for
summary judgment. This time, the district court granted the motion, finding that Merck’s alleged
statutory injury did not resemble a harm that has traditionally been recognized in American
courts, as is required under TransUnion. And the court determined that Merck had failed to show
any independent concrete injury that flowed from the statutory violation. Finally, the court held
that Walmart’s actions did not cause the adverse employment action because (1) the report was
not inaccurate, and (2) Walmart testified that it would not have hired Merck even if he had been
able to explain that he had mistakenly omitted the misdemeanor from his paperwork.
Merck timely appealed.

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II.
We review de novo the grant of summary judgment for lack of standing. See McKay v.
Federspiel, 823 F.3d 862, 866 (6th Cir. 2016). We must affirm where there is no genuine dispute
of any material fact and the moving party is entitled to judgment as a matter of law. See Fed. R.
Civ. P. 56(a). But if evidence suggests that a reasonable jury could find for the nonmoving party,
we must reverse. See McKay, 823 F.3d at 866. And if the district court erred by incorrectly
determining that the moving party was entitled to judgment under the law, we must also reverse.
We view evidence and draw reasonable factual inferences in the most favorable light for the
nonmoving party. Id. At summary judgment, a plaintiff may not rely on mere allegations to show
standing. Ward I, 9 F.4th at 361. Instead, he must set forth “specific facts” that demonstrate that
he has satisfied Article III’s requirements to bring his suit. Id.
III.
Congress passed the Fair Credit Reporting Act in 1970 to ensure “fair and accurate credit
reporting” and “protect consumer privacy.” 15 U.S.C. § 1681(a)(1); TransUnion, 594 U.S. at
418. As relevant here, the Act requires that any person who intends to use a “consumer report” as
the basis for taking “any adverse” employment action must, before doing so, provide certain
information to the consumer who is the subject of the report. 15 U.S.C. § 1681b(b)(3)(A).
Specifically, the employer must give the subject “(i) a copy of the report; and (ii) a description in
writing” of the consumer’s rights under the Act “as prescribed by” the Consumer Financial
Protection Bureau. Id.; TransUnion, 594 U.S. at 418–19.
The Act gives consumers a cause of action to recover statutory, actual, and punitive
damages from “[a]ny person who willfully fails to comply with any requirement imposed” under
the Act. 15 U.S.C. § 1681n(a). The Act also permits recovery of actual damages from “[a]ny
person who is negligent in failing to comply with any requirement imposed” under the Act. Id.
§ 1681o. Both provisions permit recovery of attorneys’ fees. Id. §§ 1681n(a)(3); 1681o(a)(2). In
short, the Fair Credit Reporting Act grants consumers expansive statutory standing to sue any
person who violates its procedural and substantive requirements.

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The key question in this case is whether plaintiffs like Thomas Merck, who lost a job
offer after Walmart failed to provide him with a full copy of the report that caused it to revoke
that offer, possess constitutional standing under Article III.
The Constitution limits the federal judicial power to “Cases” and “Controversies.” U.S.
Const. art. III, § 2. “The case or controversy requirement limits the role of the Federal Judiciary
in our system of separated powers.” FDA v. All. for Hippocratic Med., 602 U.S. 367, 378 (2024).
Federal courts are not open forums for citizens “to press general complaints about the way in
which government goes about its business.” Id. at 379 (quoting Allen v. Wright, 468 U.S. 737,
760 (1984)). Instead, plaintiffs must have a “personal stake” in the case or controversy—a stake
that helps “ensure that courts decide litigants’ legal rights in specific cases, as Article III
requires, and that courts do not opine on legal issues in response to citizens who might ‘roam the
country in search of governmental wrongdoing.’” Id. (first quoting TransUnion, 594 U.S. at 423,
and then quoting Valley Forge Christian Coll. v. Ams. United for Separation of Church & State,
Inc., 454 U.S. 464, 487 (1982)). To prosecute a lawsuit in federal court, a plaintiff must have this
sufficiently concrete stake in the outcome of the case or controversy—in other words,
constitutional standing.
A.
“The fundamentals of standing are well-known and firmly rooted in American
constitutional law.” Hippocratic Med., 602 U.S. at 380. Standing requires that a plaintiff have (1)
suffered an “injury in fact” that (2) was caused by the defendant and (3) likely would be
redressed by the judicial relief he requests. See id. The plaintiff—the party invoking federal
jurisdiction—bears the burden to establish the standing elements. Ward I, 9 F.4th at 360.
The central standing dispute in this case concerns whether any injury Merck alleges he
suffered qualifies as an injury in fact under the constitutional standing doctrine. That dispute, in
turn, hinges largely on whether the statutory injury that Merck asserts—being denied a full copy
of the consumer report that formed the basis of Walmart’s decision to revoke his job offer—is
sufficiently “concrete” to qualify as an injury in fact. In support of his claims, Merck relies on
precedent governing “informational” injuries. He also draws several analogies to traditional

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common-law and constitutional harms, including the procedural-due-process requirements that
govern public employment.
When considering a plaintiff’s standing arguments, we assume that the plaintiff’s theory
of the merits of the argument is correct. See Ward v. NPAS, Inc., 63 F.4th 576, 582 (6th Cir.
2023). Merck need only show he “has a right to relief if the Court accepts his interpretation of
the constitutional or statutory laws on which the complaint relies.” Id. (cleaned up) (quoting
CHKRS, LLC v. City of Dublin, 984 F.3d 483, 488 (6th Cir. 2021)). In this case, that means we
assume that Walmart violated the Fair Credit Reporting Act by failing to provide Merck with the
identical report that it received from the third-party vendor before deciding to withdraw his job
offer.1
Merck has failed to identify specific facts in the record sufficient to support his
informational-injury theory at the summary-judgment stage. And he has not shown he has
standing under his theories comparing his claim to traditional common-law and constitutional
procedural-due-process claims. Accordingly, Merck does not have Article III standing to
continue his lawsuit.2
B.
Under constitutional standing doctrine, an “injury in fact” is an “invasion of a legally
protected interest which is (a) concrete and particularized and (b) “actual or imminent, not
conjectural or hypothetical.” Lujan v. Defs. of Wildlife, 504 U.S. 555, 560 (1992) (cleaned up).
To be “concrete,” the injury must be “real” and not “abstract.” Hippocratic Med., 602 U.S. at
381; see also TransUnion, 594 U.S. at 424. To determine whether an asserted injury is
sufficiently concrete, the Supreme Court has instructed federal courts to consider “history and
tradition” as a “guide to the types of cases that Article III empowers federal courts to consider.”
1Merck argues that the Act’s use of the definite article “the” to require that the employer provide the
potential employee “a copy of the report,” 15 U.S.C. § 1681b(b)(3)(A)(i) (emphasis added), seems to suggest that a
regulated party must provide an exact copy of the report used to take the adverse action. We don’t decide that issue
here. To assess standing, all we must determine is whether Merck has suffered an injury in fact that Walmart caused,
crediting his interpretation of the statutory scheme.
2Because we determine that Merck did not suffer a concrete injury in fact, we need not determine whether
he satisfied the remaining standing elements: causation and redressability.

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TransUnion, 594 U.S. at 424 (quoting Sprint Commc’ns Co. v. APCC Servs., Inc., 554 U.S. 269,
274 (2008)). Specifically, in cases addressing statutory schemes like the Fair Credit Reporting
Act, the Supreme Court’s caselaw teaches that courts should assess whether the asserted injury
has a “close relationship” to a harm “traditionally” recognized “as providing a basis for a lawsuit
in American courts.” Id.; Spokeo, Inc. v. Robins, 578 U.S. 330, 341 (2016). In short, the “inquiry
asks whether plaintiffs have identified a close historical or common-law analogue for their
asserted injury.” TransUnion, 594 U.S. at 424. Standing doctrine does not “require an exact
duplicate in American history and tradition.” Id. But federal courts may not simply “loosen
Article III based on contemporary, evolving beliefs about what kinds of suits should be heard in
federal courts.” Id. at 425.
Some asserted injuries are easy. “Traditional tangible harms,” like “physical” or
“monetary” harms, “readily qualify.” Id. (cleaned up). But certain intangible harms might also be
sufficiently concrete. For instance, plaintiffs have standing when they assert reputational harms,
when a defendant discloses their private information, and when a defendant intrudes on the
plaintiffs’ seclusion by, for example, sending irritating and unwanted text messages. Id.
(collecting cases) (citing Gadelhak v. AT&T Servs., Inc., 950 F.3d 458, 462 (7th Cir. 2020)).
Those cases concern modern analogues to traditional common law harms—analogues that
Congress incorporated into statutory schemes to allow plaintiffs to bring suit in federal court.
Traditional harms also include “harms specified by the Constitution itself.” Id. (collecting cases).
Such injuries might include infringements on free speech or exercise of religion. See Spokeo, 578
U.S. at 340 (citing Pleasant Grove City v. Summum, 555 U.S. 460 (2009) and Church of the
Lukumi Babalu Aye, Inc. v. Hialeah, 508 U.S. 520 (1993)). They also might include certain kinds
of “discriminatory treatment” that, without congressional action, might previously have been
inadequate to establish any injury in fact. See TransUnion, 594 U.S. at 425–26 (citing Allen v.
Wright, 468 U.S. 737, 757 n.22 (1984)). And, finally, TransUnion suggests that “informational
injuries” continue to qualify categorically as viable traditional injuries under Article III. See id. at
441–42 (first citing FEC v. Akins, 524 U.S. 11 (1998), and then citing Pub. Citizen v. U.S. Dep’t
of Just., 491 U.S. 440 (1989)).

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Courts give Congress some deference in identifying intangible harms that “meet
minimum Article III requirements” and can provide plaintiffs standing to sue in federal court.
Spokeo, 578 U.S. at 341. Indeed, Congress can “elevate” certain de facto injuries to the “status of
legally cognizable,” thus granting plaintiffs “a cause of action to sue over the defendant’s
violation of that statutory prohibition or obligation.” TransUnion, 594 U.S. at 425 (quoting
Spokeo, 578 U.S. at 341).
But the Supreme Court’s recent caselaw has thrown cold water on the notion that
Congress may expand the constitutional boundaries that the Court has set out to govern standing.
The Constitution is said to set a floor that plaintiffs must clear to have their suits heard in federal
court. Congress may not grant a person a right to sue for an injury that falls outside the
categories of concrete harms contemplated by the Constitution. See Spokeo, 578 U.S. at 341. The
fact that Congress enacts a law that “grants a person a statutory right and purports to authorize
that person to sue to vindicate that right” does not mean that the person “automatically satisfies
the injury-in-fact requirement.” Id. “Article III standing requires a concrete injury even in the
context of a statutory violation.” Id.
So, when Congress has enacted a broad grant of authority to sue for the infringement of
statutory rights, courts maintain a “responsibility to independently decide whether a plaintiff has
suffered a concrete harm under Article III.” TransUnion, 594 U.S. at 426. Importantly, that
means that plaintiffs do not have standing to assert “bare procedural violation[s], divorced from
any concrete harm.” Spokeo, 578 U.S. at 341. A bare procedural violation, standing alone, is not
sufficiently concrete to confer constitutional standing. But the “violation of a procedural right
granted by statute can be sufficient in some circumstances to constitute injury in fact.” Id. at 342
(emphasis added). In those circumstances, Congress can identify a specific harm—outside of
merely failing to follow a specific procedure—that qualifies as a concrete injury in fact. “In other
words, a plaintiff in such a case need not allege any additional harm beyond the one Congress
has identified.” Id. (emphasis in original). The plaintiff must allege the harm that Congress did
identify, though. And, generally, that harm must bear a “close relationship to a harm traditionally
recognized as providing a basis for a lawsuit in American courts.” TransUnion, 594 U.S. at 440.

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1. Informational injury
Merck’s first theory of standing encompasses what courts often call an “informational
injury.” Such an injury is the “denial of information” to someone otherwise entitled to it. Grae v.
Corr. Corp. of Am., 57 F.4th 567, 569–70 (6th Cir. 2023) (denying motion to intervene in appeal
for lack of standing). Before TransUnion, courts sometimes held that the mere denial of
information could qualify as a concrete injury sufficient to confer standing. See, e.g., Macy v. GC
Servs. Ltd. P’ship, 897 F.3d 747, 755–61 (6th Cir. 2018), abrogated by TransUnion, 594 U.S. at
442; Shays v. FEC, 528 F.3d 914, 923 (D.C. Cir. 2008); Strubel v. Comenity Bank, 842 F.3d 181,
189–90 (2d Cir. 2016). But TransUnion rejected any notion that the denial of information,
without more, can satisfy the concreteness element of the constitutional standing doctrine. “An
‘asserted informational injury that causes no adverse effects cannot satisfy Article III.’”
TransUnion, 594 U.S. at 442 (quoting Trichell v. Midland Credit Mgmt., Inc., 964 F.3d 990,
1004 (11th Cir. 2020)). After TransUnion, courts—including this one—agree that “a plaintiff
claiming an informational injury must have suffered adverse effects from the denial of access to
information.” Grae, 57 F.4th at 570 (collecting cases). And this Court said the same thing even
before TransUnion. See Huff v. Telecheck Servs., Inc., 923 F.3d 458, 464–69 (6th Cir. 2019)
(assessing a plaintiff’s claim for the denial of statutorily mandated disclosable information and
finding he had failed to show any individual harm). So, to have standing for an informational
injury, a plaintiff must allege those two elements: (1) adverse effects that (2) result from the
denial of information.
TransUnion lays out the contours of what a sufficiently concrete informational injury
might be. The case concerned a proposed class action of plaintiffs who found out that their credit
reports contained alerts stating their names were “potential” matches to names on a government
terrorist watchlist. See 594 U.S. at 419–20. The plaintiffs claimed the companies failed to (1) use
proper procedures under the Fair Credit Reporting Act to maintain accurate information about
them, (2) disclose all required information about them upon request, and (3) provide them with a
summary of their rights under the Act. Id. at 421. The Court compared the first set of claims to
traditional common-law analogues, finding that only the plaintiffs who had their information sent
to third parties had standing to pursue their claim. See id. at 432–33. And the Court held the

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plaintiffs had not shown any concrete harm on the remaining claims: the right to receive
information about the plaintiffs and about their rights under the Act. See id. at 439–42. The
plaintiffs could not demonstrate “any harm at all,” according to the Court, merely from receiving
mailings that did not comply with the formatting requirements in the Fair Credit Reporting Act.
Id. at 440. “The plaintiffs presented no evidence that, other than” the lead plaintiff, “a single
other class member so much as opened” the deficient mailings, “nor that they were confused,
distressed, or relied on the information in any way.” Id. (quoting Ramirez v. TransUnion LLC,
951 F.3d 1008, 1039 (9th Cir. 2020) (McKeown, J., concurring in part), vacated, 594 U.S. 413
(2021)). TransUnion suggested that, to allege an informational injury, plaintiffs needed to show
that they relied on the information (or lack thereof) that they received—and that the reliance led
to some kind of harm. “Without any evidence of harm caused by the format of the mailings,” the
alleged violations merely stated “bare procedural violations, divorced from any concrete harm.”
Id. (cleaned up).
The plaintiffs in TransUnion also claimed a risk of future harm from receiving
improperly formatted credit files—a risk that can, if sufficiently imminent and substantial,
qualify as concrete. Id. at 423, 441. But “the risk of future harm on its own does not support
Article III standing” in the informational injury context—largely because it’s difficult to show
that a future risk can materialize without there being some actual action taken that makes it more
likely that false or misleading credit information might lead to an adverse effect. Id. at 436–37,
441. And, the Court continued, “the plaintiffs made no effort here to explain how the formatting
error prevented them from contacting TransUnion to correct any errors before misleading credit
reports were disseminated to third-party businesses.” Id. at 441.
The Court distinguished earlier informational injury precedents—Akins, 524 U.S. 11, and
Public Citizen, 491 U.S. 440—by noting that the plaintiffs in TransUnion had not alleged “that
they failed to receive any required information,” unlike in Akins and Public Citizen. TransUnion,
594 U.S. at 441. They alleged only that they received information “in the wrong format.” Id. So
neither case governed the plaintiffs’ claims. Akins and Public Citizen, the Court also explained,
“involved denial of information subject to public-disclosure or sunshine laws that entitle all
members of the public to certain information.” Id. Such laws implicate the “public’s interest in

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evaluating matters of concern to the political community.” Casillas v. Madison Ave. Assocs.,
Inc., 926 F.3d 329, 338 (7th Cir. 2019). And, finally, the plaintiffs in TransUnion identified “no
‘downstream consequences’ from failing to receive the required information.” TransUnion, 594
U.S. at 442 (quoting Trichell, 964 F.3d at 1004).
All this boils down to a fine line between an injury involving merely the denial of
information subject to mandatory disclosure by statute—insufficient for standing—and a denial
of information that causes “downstream consequences”—sufficiently concrete to establish
standing. See id. at 441–42. The Supreme Court’s precedents have led the Sixth Circuit to
explain that certain “intangible harms—like the denial of information—may also qualify” as
sufficiently concrete. Grae, 57 F.4th at 569. And this Court has explained that TransUnion’s
“adverse-effects rule” applies as “part of the constitutional inquiry” across all cases. Id. at 571.
So the rule applies here.
Per Grae, “other courts have not found it difficult to define ‘adverse effects.’” Id. Our
caselaw requires that the denied information have “some relevance” to the plaintiff. Brintley v.
Aeroquip Credit Union, 936 F.3d 489, 493 (6th Cir. 2019). The plaintiff must have some
personal “interest in using the information.” Grae, 57 F.4th at 571 (cleaned up) (quoting Harty v.
W. Point Realty, 28 F.4th 435, 444 (2d Cir. 2022)). The denied information must specifically
relate to some negative outcome that the plaintiff suffered because he was unable to use that
information to his benefit. So, to show standing at summary judgment, Merck must point to
specific evidence tending to prove that he has an interest in using the withheld information—the
fact that he wasn’t hired because he failed to disclose his conviction—for some purpose beyond
his statutory right to receive it. See id. In other words, his interest in using the withheld
information must extend beyond simply suing to vindicate that interest. See id.; Harty, 28 F.4th
at 444; TransUnion, 594 U.S. at 440–42 (explaining that the plaintiffs must show that the
information deficit caused some discrete harm to an interest beyond the “bare” procedural
interest in receiving the correct information).
TransUnion provides some guideposts for what it means to suffer adverse effects from an
asserted informational injury. See TransUnion, 594 U.S. at 440–42. The Court offered certain
evidence that, in its view, showed that the plaintiffs had failed to prove such effects: none of the

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relevant plaintiffs opened the mailings, established that they were confused by the information
they received, or showed that they relied on the information. Id. at 440. The plaintiffs did not
show they attempted to correct the information in their credit files. Id. They “made no effort” to
explain how the erroneously formatted information prevented them from reaching out to the
credit reporting agency to correct the credit information. Id. at 441. They failed to argue they
never received required information—just that the information they received was incorrectly
formatted. Id. And finally, they failed to allege any downstream consequences of the incorrectly
formatted information—for instance, that the reporting agency’s statutory violation prevented
them from correcting erroneous information before it could be sent to third parties. Id. at 442.
Arguably, Merck has made some of those hypothetical showings here. He alleges he
never received required information in the report. He argues that he relied on Walmart’s failure
to disclose the complete background report, including the self-disclosure code: he testified that
he would have asked either Walmart or the vendor what the “R3” code meant, rather than simply
asking why he hadn’t been hired. He relied on the report that he received—which omitted the
self-disclosure code—to call to ask why he had been scored “Not Competitive.” He further
testified that, had he seen the code, it would have given him “something to focus on.” Merck
Dep., R.105-3 at PageID 2325. And he also said that, without the ability to “refer to” the code to
determine the reason he wasn’t hired, he was left under the mistaken assumption that Walmart
had withdrawn his offer because he had the conviction, not because he’d failed to disclose the
conviction. Id. Merck testified that he was “never given the chance to clarify” why he “did not
disclose” the conviction—i.e., that it was an innocent mistake that he wasn’t “trying to hide.” Id.
at PageID 2306, 2309. So he certainly made an “effort” to determine why he hadn’t been hired
by contacting Walmart or its background report vendor. See TransUnion, 594 U.S. at 441. And
the information he didn’t receive—the “R3” code reflecting the true basis for rejecting his job
application—certainly had some “relevance” to him. See Brintley, 936 F.3d at 493. After all, it
could have assisted him in determining the actual reason why Walmart decided not to hire him.
But Merck fails to point to any evidence that he would have been able to use the
information about the self-disclosure code to his benefit. First, and perhaps most importantly,
Walmart argues that its policy meant that it would not have reconsidered its initial decision not to

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hire him based on his failure to disclose the misdemeanor. And Walmart’s argument is supported
by the record. See Bartlett Dep., R.104-3 at PageID 2084 (“If he said [that the failure to disclose
the conviction] was accurate, then [the human resources representative] would let him know he
could reapply.”). More to the point, Merck fails to carry his burden to identify any evidence in
the record suggesting otherwise. On appeal, he argues there’s “uncertainty” about whether his
first application could have “gone differently” had he known about the true basis for his
rejection. Reply Br. 22. But that’s not enough. He needed to identify specific evidence that he
could have used the denied information to create some material benefit (or avoid some adverse
consequence) to himself—and, given the record, he could not have used the information about
the self-disclosure code to change anything about the result of his first application. See Grae, 57
F.4th at 571. So he fails to show he suffered any downstream consequences from Walmart
withholding the “R3” code during his first application and rejection.
Similarly, Merck points to nothing in the record indicating that he would have used the
withheld information to do anything differently during his second and third applications to work
at Walmart. Very helpful to Merck’s case would have been evidence that Walmart in some way
relied on Merck’s lack of an explanation to reject his later applications outright before allowing
him to fill out a new criminal history addendum. Indeed, if there were some evidence to that
effect, Merck likely would have a forceful argument that the withheld information materially
affected the outcome of those applications. After all, in any later calls to Walmart, he could have
attempted to correct that misimpression.
But during discovery, Merck apparently couldn’t uncover any evidence that Walmart
rejected his later applications because of his failure to disclose the misdemeanor. And the
evidence that we do have suggests that Merck’s first application had no bearing on the later ones.
A Walmart employee testified that Walmart retained employment application information for
only sixty days. Walmart also points to a policy indicating that the self-disclosure code was
“used by” human resources “only and is not relevant to the hiring manager” at the store “or the
candidate.” Ex. to Bartlett Decl., R.105-1 at PageID 2154. Walmart argues that store employees
would not have known what these codes meant. And Merck points to no record evidence refuting
that. So it seems that even if Merck had known about the true basis of his first rejection, the

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record before us suggests he couldn’t have used that information to improve his chances for his
second and third applications at Walmart. If his first application had no bearing on his later ones,
we simply can’t say why he didn’t get interviewed the second and third time around. Merck’s
burden was to show the reason related to the withheld information. He has not met that burden.
Finally, Merck argues that he has a general interest in understanding “why his job
application had gone wrong at Walmart” because he was searching for other employment at the
time. Oral Arg. at 01:59–02:01. Abstractly, this interest is compelling. But again, Merck fails to
point to any evidence in the record that he could have used the denied information to do anything
differently. He might be in a different position if he introduced proof that he declined to apply to
other positions because he worried that his misdemeanor might bar him from being hired or
spent more time unemployed than he otherwise would have if he had known that the true issue
was merely his failure to disclose. But he cannot point to any supporting evidence in the record.
Other than a passing reference to feeling like a “failure” after his rejection from Walmart, Merck
Dep., R.105-3 at PageID 2228, he identifies nothing to suggest any material harm that resulted
from the denial of information. Indeed, he applied for one other job after being rejected. He
disclosed to the employer that he had a misdemeanor conviction. He got the job. And he timed
the start of his job so that he had no gap in employment.
Merck makes no mention of anything that he could—or would—have done differently to
find employment had he known the true basis of his Walmart rejections. Logically, it seems that
he did exactly what he should have done, had he known about the self-disclosure code—disclose
the conviction to the new employer before being hired. And he got hired. As above, Merck fails
to identify any evidence in the record that he could have used the withheld information to do
anything differently during his job search. See Grae, 57 F.4th at 571. So he has not suffered any
downstream consequences to his broader job search, either.
* * *
With more specific evidence in the record, Merck might have prevailed on his
informational-injury theory of standing. And, certainly, this case might have had a different
outcome if Merck could rest solely on his allegations—say, at the motion-to-dismiss stage. But at

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summary judgment, the plaintiff bears the burden to identify specific facts supporting each
element of standing. Merck failed to point to any evidence showing that he could have used the
withheld information to his benefit. He failed to identify record evidence that he could have been
hired after his first application, that Walmart rejected his second and third applications because
of the self-disclosure issue, that he lacked any opportunity to explain his conviction during the
second and third job applications, and that his lack of information in any way affected his later
job search—during which he applied for one job, disclosed the conviction, and got hired. All he
manages to show is that he was denied information. He hasn’t satisfied the second element of the
informational-injury test: that he suffered adverse effects from the denial of that information.
Given the record before us, Merck could not have used that information to act any differently
than he did, under the circumstances. So, because of the standard we apply to his claims at
summary judgment, Merck does not have standing to sue for an informational injury.
2. Comparison to deprivation of constitutional procedural due process
Merck’s next standing theory seeks to compare failing to receive a complete copy of a
consumer report to the traditional constitutional harm of the denial of procedural due process.
Specifically, Merck and amicus argue that Walmart’s actions bear “a close relationship to the
traditionally recognized harm of the denial of pre-deprivation notice and an opportunity to be
heard.” Appellant’s Br. 39. But Merck fails to account for the key characteristic of a procedural-
due-process claim: that the substantive interest protected in such cases exists only because of its
relationship to the authority of a public entity.
The Supreme Court in TransUnion explained that the Constitution can provide certain
“traditional harms” as analogues for Congress to use in creating statutory causes of action. See
594 U.S. at 425. Specifically, the Court pointed to two “harms specified by the Constitution
itself”: abridgment of free speech and infringement of free exercise. Id. As amicus points out,
Congress has “frequently elevated” certain harms that have close relationships to constitutional
harms. Amicus Br. 10. For instance, Congress has prohibited racial discrimination by private
housing providers. See Tex. Dep’t of Hous. & Cmty. Affs. v. Inclusive Cmtys. Project, Inc., 576
U.S. 519, 529–30 (2015) (describing the scope of liability under the Fair Housing Act). Plaintiffs
under the Fair Housing Act have standing under Article III because Congress identified and

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elevated an individual harm—private discrimination in the housing market on the basis of race.
That harm is comparable to a harm found in the Constitution—racial discrimination by the
government. See U.S. Const. amend. XIV; Inclusive Cmtys., 576 U.S. at 528–30. Congress has
also protected against private religious discrimination. See EEOC v. Abercrombie & Fitch
Stores, Inc., 575 U.S. 768, 770 (2015). And, under the Religious Freedom Restoration Act,
Congress has expanded free-exercise protections against state actors beyond what the
Constitution protects. Burwell v. Hobby Lobby Stores, Inc., 573 U.S. 682, 694–96 (2014). In
those cases, plaintiffs suffer a discriminatory harm—on the basis of race or religion—that closely
resembles the discrimination prohibited by the Constitution, so they have Article III standing to
sue in federal court.
Merck seeks to derive constitutional standing from an analogy to the right that
individuals possess to adequate procedure prior to the deprivation of life, liberty, or property. See
Cleveland Bd. of Educ. v. Loudermill, 470 U.S. 532, 542 (1985). Merck points to the text of the
Fair Credit Reporting Act for his argument that the Act bears a “close relationship” to “the denial
of notice and an opportunity to be heard” before being subject to adverse action. Appellant’s Br.
41. In response, Walmart disputes that anything in the Act creates a consumer right to have an
opportunity to respond to a pending adverse action before the employer can take that action.
Walmart relies on caselaw in our sibling circuits holding that nothing in the text of the Act
establishes a right to dispute an inaccurate report. See Schumacher v. SC Data Ctr., Inc., 33 F.4th
504, 511–12 (8th Cir. 2022); Walker v. Fred Meyer, Inc., 953 F.3d 1082, 1092–93 (9th Cir.
2020).
But we need not decide the exact scope of the rights a consumer enjoys under the Act.
Merck’s comparison fails for a more fundamental reason. TransUnion warns courts to look out
for “essential” elements of liability that may appear in a traditional cause of action but that the
modern claim lacks. 594 U.S. at 434. Here, there’s a clear difference between Merck’s statutory
claim and a procedural-due-process claim: Walmart is not a state actor.
Now, we can’t simply distinguish these analogues merely on the basis of the state-action
doctrine. After all, the Court has made clear that Congress has the power to elevate certain
harms—caused by private actors—that bear strong resemblances to constitutional claims. See id.

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at 425. If the state-action doctrine served as a bar to Congress providing statutory causes of
action to claims that resemble constitutional harms, then Congress would be unable to protect
against, for example, private racial or religious discrimination. And it can clearly do those things.
See, e.g., id.; Inclusive Cmtys., 576 U.S. at 528–30; Abercrombie & Fitch, 575 U.S. at 770.
But the protected property and liberty interests under a due-process claim are different.
The essential nature of a property or liberty interest depends on the existence of the government.
“Property interests, of course, are not created by the Constitution.” Bd. of Regents of State Colls.
v. Roth, 408 U.S. 564, 577 (1972). But “they are created and their dimensions are defined by
existing rules or understandings that stem from an independent source such as state law.” Id. The
state has unique power to confer a “legitimate claim of entitlement” to a liberty or property
interest. Id.; see also Golden v. City of Columbus, 404 F.3d 950, 955 (6th Cir. 2005) (noting that
the Supreme Court “has identified two bases” for “non-unilateral legitimate claims of
entitlement: state statutes and contracts” between a citizen and a state or its agencies). That’s
why procedural protections against the deprivation of those interests by the state—without due
process—are so important. “It is a purpose of the ancient institution of property to protect those
claims upon which people rely in their daily lives, reliance that must not be arbitrarily
undermined.” Roth, 408 U.S. at 577. “It is a purpose of the constitutional right” to due process
“to provide an opportunity for a person to vindicate those claims.” Id.
Indeed, property “is the creation of law.” Charles A. Reich, The New Property, 73 Yale
L.J. 733, 739 (1964). And before due-process precedent enshrined protections for individuals
against the arbitrary deprivation of certain intangible property interests by state actors, the
government could typically “withhold, grant, or revoke” its “largess”—or its wealth and
benefits—“at its pleasure.” Id. at 740; see also Lynch v. United States, 292 U.S. 571, 577 (1934),
abrogated by Goldberg v. Kelly, 397 U.S. 254, 261–63 (1970). Today, individuals enjoy
protections against such deprivations precisely because those interests are conferred by the
government. See Goldberg, 397 U.S. at 262–63. Indeed, the very nature of sovereign government
in this country distinguishes between the authority of a “private person,” who is merely “directly
responsible for his acts,” and a public entity, “who acts pursuant to the command of a legal

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precept.” Murray’s Lessee v. Hoboken Land & Improvement Co., 59 U.S. (18 How.) 272, 283
(1855).
A private employer—even in a contract with one of its employees—cannot alone create
the kind of “legitimate claim of entitlement” to a property interest that the state has the power to
confer. See Roth, 408 U.S. at 577. Each party enjoys certain contractual rights with respect to the
other, to be sure. And, of course, the parties are obligated to respect any other duties they have
under other private-law doctrines. But a property or liberty interest owes its existence to the
regime of state laws or rules that define the dimensions of that interest. See id.; Goss v. Lopez,
419 U.S. 565, 572–73 (1975). The state’s endorsement of the validity of a particular interest
generates, in essence, an imprimatur of legitimacy that gives the holder of that interest certain
rights against the rest of the world. Those rights are strong; that’s why it’s important to ensure
the government provides due process before depriving someone of those rights. See Goldberg,
397 U.S. at 261–63. Private actors cannot generate that same legitimacy.
The essential nature of the core interest at the heart of a procedural-due-process claim
underscores why Merck’s theory does not succeed in the private context. Of course, much of the
analogy that Merck presses does compare almost directly to the rules that govern in the due-
process context. The Fair Credit Reporting Act requires, at a minimum, that an employer taking
an adverse action against a prospective employee provide that person certain information about
why they’re taking the adverse action—before the action is taken. 15 U.S.C. § 1681b(b)(3)(A).
That certainly feels like due process. For public employment, a similar right exists: any
employee “who has a constitutionally protected property interest in his employment” must
receive “some kind of hearing” prior to being fired. Loudermill, 470 U.S. at 542 (quotation
omitted). In general, any deprivation of “life, liberty, or property” must “‘be preceded by notice
and an opportunity for hearing appropriate to the nature of the case.’” Id. (quoting Mullane v.
Central Hanover Bank & Trust Co., 339 U.S. 306, 313 (1950)). The Act contains such a pre-
adverse action notice requirement.
But any interest an employee has in continued employment for a private actor differs in
kind from the property interest that results from public employment. The state has unique
authority to create certain property interests. Private employers do not have that same authority.

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So courts hold the state to a higher standard when it seeks to deprive someone of those interests;
but, correspondingly, we do not hold private actors to that standard. The nature of the interest in
a property right endorsed by the state is different in kind than the nature of a contractual right
possessed by one private party against another. And Merck has shown only that he has an
individual interest in private employment with Walmart, not that he possesses an interest that any
member of the citizenry would possess with respect to any publicly conferred property or liberty
interest. Indeed, the limited protections available under the law to at-will employees—as Merck
applied to be here—underscore that any interest Merck possesses cannot compare to the strength
of a property interest grounded in state law. See Engquist v. Or. Dep’t of Agric., 553 U.S. 591,
606 (2008) (“The basic principle of at-will employment is that an employee may be terminated
for a good reason, bad reason, or no reason at all.” (quotation omitted)).
Merck cannot show that the interest protected by the Fair Credit Reporting Act is
sufficiently analogous to the constitutional property interests protected by the Due Process
Clause. See TransUnion, 594 U.S. at 433. So he has failed to establish that he suffered a concrete
injury in fact under the theory that his suit is analogous to the denial of a right to procedural due
process.
3. Comparison to harms from traditional tort and contract claims
Merck’s final theory of injury also rests on the Spokeo and TransUnion test identifying
certain traditional harms under the constitutional standing doctrine. “Chief among” the various
intangible harms are “injuries with a close relationship to harms traditionally recognized as
providing a basis for lawsuits in American courts.” TransUnion, 594 U.S. at 425. In addition to
relying on traditional harms specified in the Constitution, Merck also proposes several traditional
common-law actions as comparisons. He argues these common-law claims “all rest upon the
same principle: That it is harmful to be denied material information in the course of a business
transaction or similar circumstances.” Appellant’s Br. 46.
To determine whether a statutory claim bears a close relationship to a traditional harm,
we “analogize” to common-law causes of action. Dickson v. Direct Energy, LP, 69 F.4th 338,
344 (6th Cir. 2023) (quoting Gadelhak, 950 F.3d at 462). Broadly, it’s helpful to compare the

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elements of the statutory violation and the common-law claim, though TransUnion cautions
against requiring too close a match before finding that a plaintiff possesses standing. 594 U.S. at
433 (“[W]e do not require an exact duplicate.”). Indeed, we look for a close relationship “in kind,
not degree.” Dickson, 69 F.4th at 344 (quoting Gadelhak, 950 F.3d at 462). That means that we
should limit our focus on the magnitude of any imposition and turn instead to the fundamental
resemblances—or differences—between the asserted statutory and common-law claims. See
Gadelhak, 950 F.3d at 462–63. As an illustrative example, consider then-Judge Barrett’s
approach in Gadelhak. She found that the sending of unwanted text messages (in violation of the
Telephone Consumer Protection Act) was sufficiently analogous to the common-law tort claim
of intrusion upon seclusion. Common law might not permit recovery for the unwanted receipt of,
say, five text messages, because the traditional tort claim generally requires a “much more
substantial imposition.” Id. at 462. But by focusing on the kind of harm, rather than the
magnitude, she found it clear that Congress could elevate that harm—receipt of a small number
of text messages—to a concrete injury in fact. Id. at 463.
Spokeo identified a few concrete common-law harms for which recovery is available
“even if their harms may be difficult to prove or measure”: for instance, libel and slander. See
578 U.S. at 341–42 (citing Restatement (First) of Torts §§ 569, 570). TransUnion identified a
few more examples: reputational harms, disclosure of private information, and intrusion upon
seclusion. See 594 U.S. at 425 (first citing Meese v. Keene, 481 U.S. 465, 473 (1987)
(reputational harms); then Davis v. FEC, 554 U.S. 724, 733 (2008) (disclosure of private
information); and then Gadelhak, 950 F.3d at 462 (intrusion upon seclusion)). Comparing
historical claims—specifically, defamation—to the modern analogue in TransUnion meant that
some plaintiffs whose misleading information had been disclosed to a third party had standing
under the Fair Credit Reporting Act to sue the credit agency for failing to follow reasonable
procedures to maintain accurate credit files. Id. at 431–33. Those plaintiffs did not need to show
an exact, element-by-element match to the common-law claim—after all, the TransUnion
defendant did not maintain false information about the group of plaintiffs, merely misleading
information. Id. at 433. In the Court’s view, that harm was close in kind to the traditional harm of
a defamatory statement, meaning those plaintiffs had standing under the Act. Id.

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The next group of plaintiffs, though, did not have standing. Those plaintiffs failed to
show an “essential” element of liability for defamation: publication. Id. at 434 (quoting
Restatement (First) of Torts § 577, cmt. a). In the Court’s eyes, “there is ‘no historical or
common-law analog where the mere existence of inaccurate information, absent dissemination,
amounts to concrete injury.’” Id. (quoting Owner-Operator Ind. Drivers Ass’n v. U.S. Dep’t of
Transp., 879 F.3d 339, 344–45 (D.C. Cir. 2018)). So the Court drew a line in the sand: an “‘exact
duplicate’ of a traditionally recognized harm is not required,” but “the new allegations cannot be
missing an element ‘essential to liability’ under the comparator tort.” Hunstein v. Preferred
Collection & Mgmt. Servs., Inc., 48 F.4th 1236, 1242 (11th Cir. 2022) (en banc) (quoting
TransUnion, 594 U.S. at 433–34). On one side of the line falls the set of plaintiffs subject to the
publication of misleading—but not literally false—information. TransUnion, 594 U.S. at 433.
They have suffered a concrete injury in fact. On the other side lie plaintiffs with the exact same
misleading information in their credit report—but who never suffered any harm from the
dissemination of that information. Id. at 434.
That dividing line helps frame the analysis in Merck’s case. He points to several
common-law tort and contractual claims as asserted analogues for his procedural claim under the
Fair Credit Reporting Act. They include: nondisclosure and fraudulent misrepresentation, see
Restatement (Second) of Torts §§ 529, 538, 551(1); invasion of privacy, see Restatement
(Second) of Torts § 652A; Long v. Se. Pa. Transp. Auth., 903 F.3d 312, 324 (3d Cir. 2018); and
contractual misrepresentation, see Restatement (Second) of Contracts § 164. Merck argues that
this web of common-law claims generates a general principle that “it is harmful to be denied
material information in the course of a business transaction or similar circumstances.”
Appellant’s Br. 46.
Merck’s theoretical principle overstates the simplicity of the common-law analogues on
which he relies. Framed so generally, his theory might indeed be a strong match for the statutory
scheme that establishes the duties employers have under the Fair Credit Reporting Act. The
provisions at issue here are fairly simple: “before taking any adverse action based in whole or in
part on the report, the person intending to take such adverse action shall provide to the consumer
to whom the report relates” (1) “a copy of the report;” and (2) a “description” of the consumer’s

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“rights” under the Act. 15 U.S.C. § 1681b(b)(3)(A). And, arguably, such information—the report
and a description of a consumer’s rights—might always be material in the context of an adverse
employment action.
But a closer look at the common-law claims underscores why the statutory scheme is
different in kind than the traditional harms Merck identifies. An essential element of intrusion
upon seclusion, one of his proposed comparisons, is that the intrusion be unwanted. Consent
eliminates that element entirely. See, e.g., Lunsford v. Sterilite of Ohio, L.L.C., 165 N.E.3d 245,
254 (Ohio 2020); Restatement (Second) of Torts § 652B (establishing liability for an intrusion
only if the intrusion is “highly offensive to a reasonable person”). Use of personal information—
like a name or likeness—has a similar requirement. See Zacchini v. Scripps-Howard Broad. Co.,
433 U.S. 562, 574–75 (1977) (explaining that “right of publicity” includes actions against media
organizations for publication of an act without consent). Merck’s proposed comparison fails to
account for that essential element. The key difference here is that he consented to Walmart’s use
of his private information in performing its background check. And the statutory scheme
indicates nowhere that it covers only scenarios where the plaintiff has not consented to the use of
his consumer information. See 15 U.S.C. § 1681b(b)(3)(A). Merck didn’t seek to avoid receipt of
information from Walmart—he wanted to receive accurate information. So these first two
privacy torts don’t qualify.
The other two fare no better. Unreasonable publicity of someone’s private life, see
Restatement (Second) of Torts § 652D, and false light liability, see Restatement of Torts § 652E,
both have a publication requirement. Like in TransUnion, that dooms Merck’s claim. Even
assuming the information that he didn’t receive can be characterized as private—given his
consent to conduct the background check—or misleading enough to qualify as “false light,”
Merck cannot show that anyone beyond Walmart, acting through the vendor, received the
information. And the relevant provision of the Act concerns only the disclosure of information to
the consumer who is the subject of the report, not anyone else. So like in TransUnion, the lack of
a publication means that the harm from these torts does not qualify as close enough in kind to
generate Article III standing. See TransUnion, 594 U.S. at 434.

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Somewhat more complicated are Merck’s analogies to various misrepresentation and
nondisclosure tort and contract claims. The district court determined that the harm from these
common-law claims did not compare to the harm from failure to disclose information under the
Fair Credit Reporting Act because “Merck has not shown that Walmart owed” Merck “a duty to
exercise reasonable care in making disclosures” to the consumer. Order, R.114 at PageID 2603.
The district court is correct that the common-law claims do typically require a showing that the
defendant owes the plaintiff some contractual or tort-based duty of reasonable care. See, e.g.,
Restatement (Second) of Torts § 551(2). But as Merck argues on appeal, it’s not clear that this
can be the sole basis for Walmart to avoid liability, as the Act does impose a duty on Walmart to
provide the consumer with full and accurate information contained in a consumer report being
used for an adverse employment action. See 15 U.S.C. § 1681b(b)(3)(A)(i). Arguably, that duty
is different only in degree from the traditional duty under tort and contract liability to exercise
reasonable care in disclosing material information to another. So it might qualify under
TransUnion.
But Merck’s argument misses the forest for the trees. Each of the nondisclosure common-
law analogues he identifies serves to advance the interests that a party and a counterparty to a
“business transaction” or a contract have against each other. See Restatement (Second) of Torts
§§ 529 cmts. a, b, c, illus., 551; Restatement (Second) of Contracts § 164. In essence, these
claims are concerned with reliance and materiality, see Restatement (Second) of Torts § 538,
because one party might induce the other to agree to something—i.e., to enter into the contract or
business transaction—on the basis of false or misleading information. But the Act here imposes
an absolute duty on an employer to disclose information used in an adverse employment
decision. 15 U.S.C. § 1681b(b)(3)(A)(i). The duty exists independently of whether Merck might
rely on the information to enter into a transaction or contract. In that sense, the common-law
analogues are narrower than the comparable provisions under the Act. The Act provides for
potential liability regardless of whether one party intends to induce the other “to act or to refrain
from action in reliance” upon the misrepresentation of fact. Restatement (Second) of Torts § 525;
see also Restatement (Second) of Contracts § 164 (requiring that a misrepresentation induce a
“manifestation of assent” to enter a contract).

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Merck argues that he might have justifiably relied on the failure to provide the true
reason why his job offer was revoked because he “refrain[ed] from trying to explain that he had
failed to report the misdemeanor conviction because he had forgotten it.” Appellant’s Br. 45. But
he fails to recognize that the element “essential to” Walmart’s “liability,” TransUnion, 594 U.S.
at 434, is that he in some way manifested his assent or sought some benefit from a transaction
that he was entering. See Restatement (Second) of Contracts § 164; Restatement (Second) of
Torts § 525. There was no such transaction here. Walmart did not provide information—be it
true or misleading—because it sought to take advantage of a position of trust it possessed over
Merck or because it wanted to induce his agreement to a contractual exchange between the two
parties. It provided the information pursuant to a wholly one-sided statutory duty that exists
independently of whether the employer and the employee transact in any way with each other.
See 15 U.S.C. § 1681b(b)(3)(A). Indeed, under the plain text of the Act, that’s the only duty
Walmart possesses. It has no statutory duty to correct false or misleading information. And it has
no duty to refrain from taking an adverse action if the consumer seeks to correct false or
misleading information. All of this makes sense, because the provision isn’t concerned with
regulating contractual or business exchanges between parties. It’s instead concerned with
providing consumers tools to ensure that other entities don’t rely on false and unfairly
aggregated information about the consumers. See id. § 1681(a).
Because Walmart’s duties under the Act extend outside those elements essential for
liability under traditional tort and contractual nondisclosure claims, Merck has failed to show he
has standing under his traditional-harm theory. Indeed, the final two words of Merck’s proposed
harm principle give away the game: he says it’s harmful to be denied material information in a
business transaction or “similar circumstances.” Appellant’s Br. 46. But the existence of a
transaction—one in which one party seeks to gain some benefit from another party based on
false or misleading information—is necessary to that party’s liability. Merck had no rights or
obligations under the theoretical “transaction” meant to provide an analogue for the statutory
framework here. So it’s clear that Walmart never entered any transaction or agreement by
disclosing—or failing to disclose—information under the Fair Credit Reporting Act. This theory
of standing fails.

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No. 23-3698 Merck v. Walmart, Inc. Page 27
C.
Because we affirm the district court’s finding that Merck does not have constitutional
standing to sue, we decline to address Walmart’s three alternative arguments in support of
summary judgment.
IV.
We AFFIRM the district court’s grant of summary judgment in Walmart’s favor.

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