Freedom Ryant v. Navy Federal Credit Union

IN THE UNITED STATES DISTRICT COURT DISTRICT OF SOUTH CAROLINA Freedom Ryant, C/A No.: 3:26-cv-515-SAL Plaintiff, v. ORDER Navy Federal Credit Union,

Defendant.

Plaintiff Freedom Ryant filed this civil action alleging violations of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681, et seq. This matter is before the court on the Report and Recommendation (the “Report”) issued by United States Magistrate Judge Paige J. Gossett, made in accordance with 28 U.S.C. § 636(b) and Local Civil Rule 73.02(B)(2) (D.S.C.). [ECF No. 14.] The Report recommends this case be dismissed without prejudice and without issuance and service of process for failure to state a plausible claim under the FCRA. Id. Attached to the Report was a notice advising Plaintiff of the procedures and requirements for filing objections to the Report and the serious consequences if he failed to do so. Id. at 7. Plaintiff has not filed objections, and the time for doing so has expired.

The magistrate judge makes only a recommendation to this court. The recommendation has no presumptive weight, and the responsibility to make a final determination remains with this court. See Mathews v. Weber, 423 U.S. 261, 270–71 (1976). The court is charged with making a de novo determination of only those portions of the Report that have been specifically objected to, and the court may accept, reject, or modify the Report, in whole or in part. 28 U.S.C. § 636(b)(1).

In the absence of objections, the court is not required to provide an explanation for adopting the Report and must “only satisfy itself that there is no clear error on the face of the record in order to accept the recommendation.” Diamond v. Colonial Life & Acc. Ins. Co., 416 F.3d 310, 315 (4th Cir. 2005) (citing Fed. R. Civ. P. 72 advisory committee’s note).

After reviewing the Report, the applicable law, and the record of this case in accordance with the above standard, the court finds no clear error, adopts the Report, ECF No. 14, and incorporates the Report by reference herein. As a result, this matter is DISMISSED WITHOUT PREJUDICE and without issuance and service of process.

IT IS SO ORDERED.

Shere t.

May 12, 2026 Columbia, Sherri A. Lydon South Carolina United States District Judge