MEMORANDUM OPINION

(September 23, 2013) [Dkts. ##11, 36, 37, 46, 55, 61]

RICHARD J. LEON, United States District Judge

On January 7, 2013, plaintiff Lillard & Lillard, P.C. ("plaintiff), a law firm, filed the instant action in the Superior Court of the District of Columbia ("Superior Court") against defendants Blue Cross and Blue Shield Association (BCBSA), R & R Professional Recovery ("R & R"), NCO Financial Systems ("NCO"), First Federal Credit Control ("FFCC"), and Quantum Practice Management ("Quantum"). See Compl. [Dkt. 1-1].1 Plaintiff alleged violations of the District of Columbia Consumer Protection Procedures Act, D.C.Code § 28-3901 et seq. ("CPPA"), the Racketeer Influenced & Corrupt Organizations Act, 18 U.S.C. § 1961 et seq. ("RICO"), and the Federal Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. ("FDCPA"). See id. ¶¶ 4-16. Plaintiff amended its complaint on January 24, 2013, adding a claim for violation of the Patient Protection and Affordable Care Act, 124 Stat. 119 et seq. ("ACA"), and a new defendant, Alacrity Collections Corporation ("Alacrity"). See Second Am. Compl. ¶ 14 [Dkt. # 1-1].2 Plaintiff also brings an equity claim against defendants. See id. ¶ 19.

On February 7, 2013, defendants BCBSA, R & R, NCO, and FFCC removed the action to this Court pursuant to 28 U.S.C. § 1441 as an action over which this Court has federal question jurisdiction under 28 U.S.C. § 1331. See Notice of Removal [Dkt. #1] ¶ 7. Now before the Court are BCBSA's Motion to Dismiss3 and the five remaining defendants' motions for judgment on the pleadings.4 Upon consideration of the parties' pleadings, relevant law, and the entire record herein, the Court concludes that plaintiff lacks standing to bring these claims. Accordingly, the Court will GRANT defendants' motions pursuant to Rule 12(b)(1) of the Federal Rules of Civil Procedure.

BACKGROUND

Plaintiff is a District of Columbia professional corporation that conducts business as a law firm. Second Am. Compl. ¶ 1. On January 7, 2012, one of plaintiffs employees, John F. Lillard, III ("Mr.Lillard"), was involved in a car accident. Id. ¶ 2. According to plaintiff, Mr. Lillard incurred approximately $15,500 in medical expenses stemming from his accident ("Accident Expenses"). Id. In connection with his Accident Expenses, Mr. Lillard submitted certain health insurance claims to plaintiffs insurance carrier. Id. Plaintiff alleges that BCBSA unlawfully denied Mr. Lillard benefits he was owed under a health insurance policy ("Policy") issued by CareFirst of Maryland, Inc., doing business as Care-First BlueCross BlueShield ("CareFirst").5 Id. Mr. Lillard's medical providers subsequently hired collection agencies, including R & R, NCO, FFCC, Alacrity, and Quantum (collectively "Bill Collectors") to collect balances due on Mr. Lillard's medical bills. Id. ¶ 3. According to plaintiff, the Bill Collectors engaged in abusive and unlawful collection efforts with respect to Mr. Lillard. Id.

LEGAL STANDARD

A court must dismiss a complaint, or any portion of it, that does not fall within the court's subject-matter jurisdiction. Fed.R.Civ.P. 12(b)(1) and 12(h)(3). When resolving a challenge to the legal sufficiency of the plaintiff s jurisdictional allegations at the pleading stage, a court "must accept as true all material allegations of the complaint, drawing all reasonable inferences from those allegations in plaintiffT's] favor, and presuming that general allegations embrace those specific facts that are necessary to support the claim." LaRoque v. Holder, 650 F.3d 777, 785 (D.C.Cir.2011) (quotations and citations omitted). Where the moving party challenges the factual basis for jurisdiction, the court "must go beyond the pleadings and resolve any disputed issues of fact the resolution of which is necessary to a ruling upon the motion to dismiss." Phoenix Consulting Inc. v. Republic of Angola, 216 F.3d 36, 40 (D.C.Cir.2000).

"Because Article III limits the constitutional role of the federal judiciary to resolving cases and controversies, a showing of standing is an essential and unchanging predicate to any exercise of [the court's] jurisdiction." Fla. Audubon Soc'y v. Bentsen, 94 F.3d 658, 663 (D.C.Cir.1996) (en banc) (quotations and citations omitted). Article III standing has three familiar requirements:

United States v. Windsor, ___ U.S. ___, 133 S.Ct. 2675, 2685-86, 186 L.Ed.2d 808 (2013) (quotations, citations, and modifications omitted). As the party invoking federal jurisdiction, "the plaintiff bears the burden of establishing the factual predicates of jurisdiction by a preponderance of the evidence." Erby v. United States, 424 F.Supp.2d 180, 182 (D.D.C.2006) (citing, inter alia, Lujan v. Defenders of Wildlife, 504 U.S. 555, 561, 112 S.Ct. 2130, 119 L.Ed.2d 351 (1992)).

ANALYSIS

Plaintiff asserts six counts against defendants based on the alleged conduct. See Second Am. Compl. ¶¶ 5-19. Specifically, plaintiff claims that BCBSA and the Bill Collectors conspired to violate: (1) the CPPA by improperly denying Mr. Lillard's health insurance claims, cancelling Mr. Lillard's coverage, and attempting to collect debts owed by Mr. Lillard to his various medical providers;6 (2) RICO by fraudulently denying claims and attempting to collect debts;7 (3) the ACA by improperly denying claims;8 and (4) the FDCPA by attempting to collect debts, "denying payment of [Mr. Lillard's] medical bills," and "repeatedly demanding more documentation before paying any claim."9 Plaintiff also brings an equity claim against the defendants. See id. ¶ 19. Upon consideration of the parties' pleadings, relevant law, and the entire record herein, the Court concludes that plaintiff lacks standing to bring these claims.

Plaintiff has failed to identify any injury to a legally protected interest of plaintiff which is (a) concrete and particularized, and (b) actual or imminent. The only injuries described in plaintiffs Second Amended Complaint, financial and otherwise, were allegedly suffered by Mr. Lillard. Indeed, the only financial loss alleged in the record is that BCBSA failed to pay Mr. Lillard's medical bills, causing Mr. Lillard's medical providers to hire the Bill Collectors to seek balances due on his medical bills. See Second Am. Compl. ¶¶ 2-3. Plaintiff additionally alleges that the Bill Collectors "threatened to ruin [Mr. Lillard's] credit" and engaged in abusive collection practices, "defiantly, unlawfully, and mercilessly" harassing Mr. Lillard by mail and telephone. Id. ¶ 3. Unfortunately, Mr. Lillard is not the plaintiff in this case.

Plaintiff is a law firm and has failed to articulate how it was injured by defendants' alleged conduct. It is unclear what legally protected interest plaintiff could have under the Policy. Based on the underlying record, it does not appear that plaintiff incurred any of Mr. Lillard's medical expenses or is even liable to pay Mr. Lillard's medical expenses. Plaintiff does not allege that it has suffered any other actual injuries, financial or otherwise, as a result of defendants' alleged conduct. As such, the Court does not believe the plaintiff is sufficiently involved in the current legal dispute to have a defined stake in the outcome of the litigation. Moreover, plaintiff has not alleged that it will suffer any concrete and particularized injury in the imminent future. Under these circumstances, the Court must avoid unconstitutionally rendering an advisory opinion by "deciding a case in which no injury would have occurred at all." Defenders of Wildlife, 504 U.S. at 564 n. 2, 112 S.Ct. 2130.

In sum, plaintiff cannot establish Article III standing without alleging that plaintiff law firm (as distinct from Mr. Lillard) has suffered or will imminently suffer any injury fairly traceable to defendants' alleged conduct and redressable by a favorable decision by this Court.

CONCLUSION

Thus, for all of the foregoing reasons, the Court GRANTS defendants' motions. Because plaintiff lacks standing to bring these claims, this case must be dismissed pursuant to Rule 12(b)(1) of the Federal Rules of Civil Procedure. An Order consistent with this decision accompanies this Memorandum Opinion.