What action can I take against a consumer reporting agency that violates the Credit Report Protection Act?
If a credit reporting agency willfully violates the Credit Report Protection Act, you, as the damaged consumer, can sue the agency for actual damages of not more than $1,000 and for the cost of your reasonable attorneys fees. Instead of damages, a court may award you punitive damages. If a credit reporting agency negligently violates the Credit Report Protection Act, you can sue the agency for actual damages and for the cost of your reasonable attorneys fees.
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