VALERIE CAPRONI, District Judge.
Pro se Plaintiff Jonathan McChriston filed this lawsuit on January 9, 2018, alleging that Defendant Diversified Consultants, Inc. violated the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 et seq., by twice obtaining his credit report without a permissible purpose. See Dkt. 2 (Compl.). On February 13, 2018, this Court referred the case to Magistrate Judge Barbara C. Moses for general pretrial proceedings and for the preparation of reports and recommendations on any dispositive motions pursuant to 28 U.S.C. § 636(b). See Dkt. 6. On September 14, 2018, after the parties completed discovery, Defendant moved for summary judgment. See Dkts. 27-29. On June 7, 2019, Judge Moses recommended that Defendant's motion be granted. See Dkt. 37 (Report & Recommendation ("R&R")). Pursuant to Fed. R. Civ. P. 72(b)(2) and 6(d), Plaintiff's deadline to object to the report was June 27, 2019. The Court has received no objections from either party.
In reviewing a Report and Recommendation, a district court "may accept, reject, or modify, in whole or in part, the findings or recommendations made by the magistrate judge." 28 U.S.C. § 636(b)(1)(C). When specific objections are made, "[t]he district judge must determine de novo any part of the magistrate judge's disposition that has been properly objected to." Fed. R. Civ. P. 72(b)(3); see also, e.g., United States v. Male Juvenile, 121 F.3d 34, 38 (2d Cir. 1997). "Where no timely objection has been made by either party, a district court need only find that there is no clear error on the face of the record in order to accept the Report and Recommendation." Phillips v. Reed Grp., Ltd., 955 F.Supp.2d 201, 211 (S.D.N.Y. 2013) (internal quotation marks omitted).
Neither party has objected to Judge Moses's Report and Recommendation, so the Court reviews it for clear error. The Court finds none. First, the Report correctly concludes that, by failing to submit his own statement disputing paragraphs one and four of Defendant's Local Civil Rule 56.1 statement—as Local Civil Rule 56.1(b) required Plaintiff to do—Plaintiff has admitted for purposes of this motion that both Verizon Telecom and Time Warner Cable placed accounts in Plaintiff's name with Defendant for collection.
Furthermore, the Report correctly concludes that, under 15 U.S.C. § 1681b(f)(1), Defendant is entitled to the protection of Section 1681b(a)(3)(A) even though it is not a "consumer reporting agency." See Dkt. 37 (R&R) at 10; see also 15 U.S.C. § 1681b(f)(1) (prohibiting any "person" from obtaining a consumer credit report unless, in relevant part, the report "is obtained for a purpose for which the consumer report is authorized to be furnished under this section," which includes Section 1681b(a)(3)(A)); Trikas v. Universal Card Servs. Corp., 351 F.Supp.2d 37, 42 n.7 (E.D.N.Y. 2005) (holding that Section 1681b(f) extends Section 1681b(a)(3)(A)'s language to persons, not just consumer reporting agencies).
Next, the Court agrees with the Report that, because Defendant undisputedly had a permissible purpose to obtain Plaintiff's credit reports, it is immaterial whether Section 1981b(a)(3)(A)'s "reason to believe" language extends to "persons" who obtain such reports under Section 1681b(f): to avoid FCRA liability, a person with an objectively permissible purpose for obtaining a credit report need not also have a reasonable, subjective belief that his purpose was permissible. See Dkt. 37 (R&R) at 11; see also Dkt. 31 (Mem. in Opp. to MSJ) at 3-4.
Finally, the Court sees no clear error in the Report's election to treat as abandoned the Complaint's suggestion that Section 1681b(a)(3)(A) is inapplicable because 15 U.S.C. § 1693a(2) defines "account" to mean a "demand deposit, savings deposit, or other asset account." See Dkt. 2 (Compl.) ¶¶ 19-20; see also Dkt. 37 (R&R) at 11 n.2. Plaintiff failed to marshal that argument in opposing summary judgment.
Because careful review of the Report reveals no clear error, the Court adopts the Report in full and grants Defendant's motion for summary judgment. The Clerk of Court is respectfully directed to enter judgment in Defendant's favor, terminate all open motions, and close this case.
The Report and Recommendation having given the parties adequate warning, see Dkt. 37 (R&R) at 12, the parties' failure to file written objections to the report precludes appellate review of this decision. See Caidor v. Onondaga Cty., 517 F.3d 601, 604 (2d Cir. 2008).
The Report also properly rejects Plaintiff's irrelevant musings on the propriety of the credit-reporting and debt-collection industries generally. See Dkt. 37 (R&R) at 10-11; see also Dkt. 31 (Mem. in Opp. to MSJ) at 2-3. Plaintiff's criticisms of the system as a whole have no bearing on this case.