19. At all times relevant to this matter, Plaintiff was an individual residing within  the State of California.    20. Furthermore, Defendant conducted business within the State of California at all  times relevant.    21. At some point prior to the filing of this matter, Plaintiff resolved a number of  debts owed to various furnishers.    39. Plaintiff brings this action on Plaintiff’s own behalf, and on behalf of all others  similarly situated.    40. Plaintiff is among many thousands of persons in the United States who has had  his or her credit information compiled and reported by Defendant regarding  financial obligations incurred that have been subsequently paid in full, and  currently have a $0 balance owed to the original creditor.    62. Plaintiff incorporates by reference all of the above paragraphs of this Complaint  as though fully stated herein.    63. The foregoing acts and omissions constitute numerous and multiple violations  of the California Consumer Credit Reporting Agencies Act.    64. In the regular course of its business operations, Defendant routinely furnishes  information to credit reporting agencies pertaining to transactions between  Defendant and Defendant’s consumers, so as to provide information to a  consumer’s credit worthiness, credit standing and credit capacity.    VIOLATION OF THE CALIFORNIA CREDIT REPORTING AGENCIES ACT  (CCCRAA)  Cal. Civ. Code § 1785.1, et seq.  