In a Fair Credit Reporting Act (FCRA) action claiming that Defendant credit agency wrongly classified Plaintiff as a first-time check writer, the dismissal of the action is reversed where FCRA's private right of action does not require proof of actual damages, as a prerequisite to the recovery of statutory damages for a willful violation of the FCRA.
Argued: August 6, 2009
Decided and Filed: August 28, 2009
Opinion by Judge Sutton
Martin D. Holmes, Dickinson Wright PLLC, Nashville, TN