Fair Credit Reporting Act (FCRA)

§ 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]

(a) In general. Any person who is negligent in failing to comply with any requirement
imposed under this title with respect to any consumer is liable to that consumer in an
amount equal to the sum of

(1) any actual damages sustained by the consumer as a result of the failure; and

(2) in the case of any successful action to enforce any liability under this section, the
costs of the action together with reasonable attorney's fees as determined by the
court.

(b) Attorney's fees. On a finding by the court that an unsuccessful pleading, motion, or
other paper filed in connection with an action under this section was filed in bad faith
or for purposes of harassment, the court shall award to the prevailing party attorney's
fees reasonable in relation to the work expended in responding to the pleading,
motion, or other paper.