Defendant Santander Consumer USA Inc. brings this motion for summary judgment, or alternatively summary adjudication.

"The party moving for summary judgment bears an initial burden of production to make a prima facie showing of the nonexistence of any triable issue of material fact; if he carries his burden of production, he causes a shift, and the opposing party is then subjected to a burden of production of his own to make a prima facie showing of the existence of a triable issue of material fact." Aguilar v. Atlantic Richfield Co. (2001) 25 Cal.4th 826, 851.

Plaintiff's complaint does not set forth causes of action in the usual manner. Instead, plaintiff lists the following claims purportedly alleged in her complaint: (1) "auto fraud;" (2) violation of TILA; (3) "wrongful charge off"; (4) unfair debt collection; (5) "leamon [sic] law; (6) "damaged credit"; and (7) injunctive relief. Accordingly, it appears that plaintiff is claiming three statutory causes of action (TILA, Rosentha