Weeland L. Hyde v. Hibernia National Bank in Jefferson Parish and Credit Bureau Services--New Orleans, D/B/A Chilton Corporation

ALVIN B. RUBIN, Circuit Judge:

The issue is when the statutory limitations provisions of the Fair Credit Reporting Act begin to run. We hold that the limitations period for a suit asserting negligence commences when a report issued to a user causes injury to the consumer for whose protection the Act was adopted and that the limitations period for a suit asserting intentional violation of the Act begins at the same time or, if the consumer is not aware of the issuance of the report, when the consumer later discovers it. Accord ingly, we vacate a summary judgment and remand for further…