Supreme Court Decides Fair Credit Reporting Act Case

The Fair Credit Reporting Act provides that a consumer may sue a business for actual damages if the business negligently violated the Act, but if the business willfully violated the Act, the consumer may sue for actual damage or statutory damages ranging from $100 to $1,000, and punitive damages. In cases in which actual damages are hard to prove, a consumer will be very interested in wanting to prove the defendant business “willfully” violated the Act in order to obtain statutory and punitive damages. On June 4, 2007, the U.S. Supreme Court explained the meaning of the term “willful” as...

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