Though not limited by US Const. Art. III case or controversy standing requirements, California court apply prudential standing requirements. Absent a statutory grant of standing to represent the general public, a plaintiff must generally show that he has a beneficial interest in the claim he pursues. A statute like FCRA that allows for statutory damages that are intended to compensate for difficult-to-compute damages does not create an exception to the beneficial interest standing requirement. FCRA does not confer public interest standing on private plaintiffs. So to have a beneficial interest and bring a FCRA claim in California state court, the plaintiff must show a concrete and particularized injury. Here, plaintiff could not do so because the employer’s alleged violation of FCRA’s requirement of a standalone warning about the employer’s use of credit reports in assessing job applicants did not affect plaintiff’s substantive rights. He testified he would have allowed the credit reports usage even if the additional information hadn’t been on the disclosure form. And informational deprivation which doesn’t result in follow-on injury is insufficient for standing.