THORNBERRY, Senior Circuit Judge:
Plaintiff-appellant Henry Clay brought suit against three insurance companies and a credit reporting agency alleging defamation and violations of the Fair Credit Reporting Act (FCRA). 15 U.S.C. § 1681 et seq. The district court granted summary judgment in favor of all the defendants but did not state its reasons for doing so. Because we find that all of Clay's claims are either groundless or barred by the applicable statutes...
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