They are trying to base their claim on removal due to the FCRA superseding the BCC20 (credit reporting). I do know there is case law on this very subject.
I believe it was in California.
In the OP's complaint from what I understand, there were NO federal laws cited. However, the issue would be whether the FCRA would supersede any State consumer credit reporting laws.
In Texas the BCC20 is very handy to deal with credit reporting issues. There are a number of steps one must take to prevail. There is also the BCC17 tie-in statute (deceptive trade practices) that allows for trebling of actual damages.
My belief is that they do not want this in State Court due to the potential for damages.
I am the plaintiff. Alleged violations of the Texas BCC 20.06. Their claim is federal jurisdiction based off 28 USC 1331.