Affirmed by published opinion.
Judge MOTZ wrote the opinion, in which Judge TRAXLER and Judge KING joined.
OPINION
DIANA GRIBBON MOTZ, Circuit Judge.
Earle E. Ausherman and other individual consumers ("Plaintiffs") brought this action, alleging that Banc of America Auto Finance Corporation ("BAAF"), willfully or negligently violated the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (2000) (the "Act" or "FCRA"), and the analogous...
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