Civil Liability For Willful or Negligent Violations of The FCRA
For willful noncompliance with the act, a consumer may, under § 616 (15 U.S.C. § 1681n), recover the greater of either actual damages or a statutory minimum of $100 to maximum of $1000, plus possible punitive damages, as well as reasonable attorney's fees and costs. Under § 617 of the Act, (15 U.S.C. § 1681o), recovery for a negligent violation is of actual damages, plus attorney's fees. Under § 618, a consumer may file suit in state or federal court to enforce the Act, and the statute of limitations is the earlier of two years from discovery of the violation or five years from the date of the violation. (15 U.S.C. § 1681p.)
Read more about this topic: Fair Credit Reporting Act
Famous quotes containing the words civil, negligent and/or violations:
“If we love-and-serve an ideal we reach backward in time to its inception and forward to its consummation. To grow is sometimes to hurt; but who would return to smallness?”
—Sarah Patton Boyle, U.S. civil rights activist and author. The Desegregated Heart, part 3, ch. 3 (1962)
“It breedeth no small offence and scandal to see and consider upon the one part the curiosity and cost bestowed by all sorts of men upon their private houses; and on the other part the unclean and negligent order and spare keeping of the houses of prayer by permitting open decays and ruins of coverings of walls and windows, and by appointing unmeet and unseemly tables with foul cloths for the communion of the sacrament.”
—Elizabeth I (1533–1603)
“All violations of essential privacy are brutalizing.”
—Katharine Fullerton Gerould (1879–1944)