15. At all times relevant, Plaintiffs are individuals residing within the State of  Nevada.   16. Plaintiffs are informed and believe, and thereon allege, that at all times  relevant, Defendant conducted business in the State of Nevada.   17. Plaintiffs are informed and believe, and thereon allege, that Defendant is a  “person” as the term is defined by 15 U.S.C. § 1681a(b).   18. Sometime prior to 2012, Plaintiffs allegedly incurred financial obligations to  the original creditor.   19. On or about March 27, 2012, Plaintiffs filed for Chapter 13 Bankruptcy in the  United States Bankruptcy Court for the District of Nevada.     20. The obligations (“Debt”) to the original creditor were scheduled in the  Bankruptcy and  the original creditor received notice of the Bankruptcy.   21. Subsequently, the alleged debt was allegedly assigned, placed, or otherwise  transferred, to Defendant for collection.    22. On or about January 24, 2014, Plaintiffs received a Bankruptcy discharge.   23. Defendant did not file any proceedings to declare its Debt “non  dischargeable” pursuant to 11 U.S.C. § 523 et seq.    24. Defendant also did not request relief from the “automatic stay” codified at 11  U.S.C. §362 et seq. while the Plaintiffs’ Bankruptcy was pending to pursue  the Plaintiffs on any personal liability for any of the underlying Debts.   32. Plaintiffs bring this action on behalf of themselves and on behalf of all others  similarly situated (the “Class”).   THE FAIR CREDIT REPORTING ACT  15 U.S.C. §§ 1681-1692X (FCRA)  