Levine v. World Financial Network National Bank

PRYOR, Circuit Judge:

This appeal presents the issue whether a consumer reporting agency willfully violated the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq., when the agency sold a consumer report to a creditor for “account review” after the consumer had closed his account with that creditor. Ex-perian Information Systems, Inc., sold Stephen G. Levine’s consumer report to a credit card issuer, Alliance Data Systems, for what Alliance represented to be a semiannual account review of “current customers.” In fact, Levine had closed his account and was not a current customer of Alliance.…