13. Plaintiff and his wife, Shirley Faye Looney, jointly own a home on East  Ashford Park Drive in Foley, Alabama (the “Property”).  At all relevant  times this was their principal residence.   14. In June 2019, Plaintiff and his wife, Shirley Faye Looney, applied for a  mortgage loan in connection with the upcoming purchase of their home on  East Ashford Park Drive in Foley, Alabama.  The application was  submitted through First Mortgage of Alabama (“First Mortgage”), a  mortgage broker which brokers loans for lender, such as Carrington.     15. On or about June 7, 2019, Fort Mortgage accessed Plaintiff’s credit  information and credit scores maintained by at least one consumer reporting  agency.  This information was accessed by First Mortgage in connection  with the mortgage application.  The credit information, including the  scores, was obtained from at least one credit reporting agency and accessed  on Carrington’s behalf and was communicated to Carrington by First  Mortgage.     16. Carrington used Plaintiff’s credit score to evaluate Plaintiff’s qualifications  for a mortgage loan.  Based at least in part on Plaintiff’s credit score,  Carrington approved the Plaintiff’s loan application.  The mortgage loan  was closed on August 22, 2019.     26. Plaintiff brings this action on behalf of himself and on behalf of and Class  Members of the proposed Class pursuant to Federal Rules of Civil  Procedure 23(a) and (b)(3) and/or (b)(2).    35.  Plaintiff incorporates the relevant foregoing paragraphs in this complaint  as if fully set out.   36.   This claim is brought for Plaintiff individually and on behalf of the class  described above.   37.  Defendant on a regular basis makes or arranges loans secured by residential  real estate.   38.  Defendant on a regular basis uses a “consumer credit score,” as that term is  defined in 15 U.S.C. § 1681g(f)(2)(A), in connection with applications  initiated or sought by consumers for a loan secured by residential real  estate.    39.  Plaintiff initiated or sought an application with Defendant a loan secured  by his home.     40.  Defendant used Plaintiff’s credit score in connection with his application  for that loan.    41.  Defendant used the credit scores of members of the class described above  in connection with applications initiated or sought for a loan secured by  residential real estate.    42.  Defendant failed to provide Plaintiff and members of the class described  above with the disclosures required in 15 U.S.C. § 1681g(g).    VIOLATIONS OF THE FAIR CREDIT REPORTING ACT  15 U.S.C. § 1681 ET SEQ.  [AGAINST DEFENDANT]  