UNPUBLISHED

UNITED STATES COURT OF APPEALS FOR THE FOURTH CIRCUIT

No. 16-1310

FREDDIE J. KELLY,

Plaintiff - Appellant,

v.

SUNTRUST BANK; EQUIFAX INFORMATION SERVICES, LLC; EXPERIAN; TRANSUNION,

Defendants - Appellees.

Appeal from the United States District Court for the Eastern District of Virginia, at Richmond. John A. Gibney, Jr., District Judge. (3:14-cv-00121-JAG)

Submitted: October 31, 2016 Decided: December 2, 2016

Before KING, SHEDD, and HARRIS, Circuit Judges.

Affirmed by unpublished per curiam opinion.

Freddie J. Kelly, Appellant Pro Se. Terry Catherine Frank, KAUFMAN & CANOLES, PC, Richmond, Virginia; John Willard Montgomery, Jr., MONTGOMERY & SIMPSON, LLLP, Richmond, Virginia; Jennifer Loraine Swize, JONES DAY, Washington, D.C.; Paul L. Myers, STRASBURGER & PRICE, LLP, Frisco, Texas; Michael R. Ward, MORRIS & MORRIS, Richmond, Virginia, for Appellees.

Unpublished opinions are not binding precedent in this circuit. PER CURIAM:

Freddie J. Kelly appeals the district court’s order

granting Defendants’ motions for summary judgment. We have

reviewed the record and find no reversible error. Accordingly,

we affirm for the reasons stated by the district court. Kelly

v. SunTrust Bank, No. 3:14-cv-00121-JAG (E.D. Va. Feb. 25,

2016). We dispense with oral argument because the facts and

legal contentions are adequately presented in the materials

before this court and argument would not aid the decisional

process.

AFFIRMED

2