St. Paul Guardian Insurance Company, Plaintiff-Counter v. Charles G. Johnson, Defendant-Counter

JOHNSON, Circuit Judge:

Defendant Charles Johnson appeals the district court’s entry of a directed verdict in favor of the plaintiff on Johnson’s counterclaim under the Fair Credit Reporting Act. For the reasons cited herein, we reverse and remand.

I. FACTS AND PROCEDURAL HISTORY

In 1986, the appellant, Charles Johnson, (hereinafter Johnson) filed a claim with St. Paul Guardian Insurance Company (hereinafter St. Paul) for losses incurred as a result of an alleged theft at Johnson’s rural home near Hardin, Texas. During the course of St. Paul’s investigation of the claim, St. Paul investigators…