OPINION
WILKINSON, Circuit Judge:
Charlene Ross brought claims against Washington Mutual Bank ("WaMu") for false reporting of credit information and unfair debt collection practices. But she tarried too long, and by filing outside of the Fair Credit Reporting Act's ("FCRA") two-year statute of limitations she lost any FCRA claims she may have had, whatever their merit.
Ross has tried to skirt this deficiency by bringing several state law claims....
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