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AUSHERMAN v. BANK OF AMERICA CORPORATION

No. 03-1375.

352 F.3d 896 (2003)

Earle E. AUSHERMAN; Stephanie Ball; William Close; Ricardo Colon; Frank Collins; Kirk Decosmo; John Elder; Anna Hamilton; Paul Simons; Arlen Slobodow; Guy Thomas; Ludmilla Werbos; Paul Werbos; Ronnie C. Hogue; Shauna Hunter; Richard L. Lammonds; Benjamin Salazar; Sherwood Schwarz, Plaintiffs-Appellants, and Rhoda Brown; Pamela Schwerdt; Deborah Steelman; Leslie Jones; Neil Kramer; Kent Linduff; Margaret Morrison; Charles Park; Mordechai Rabinowitz; Freda D. Hogue, Plaintiffs, v. BANK OF AMERICA CORPORATION, a/k/a Banc of America, d/b/a Bank of America Auto; John Doe, I, a currently unidentified employee of defendant Bank of America; Joe Doe, II, a currently unidentified co-conspirator of defendant John Doe Number 1; Banc of America Auto Finance Corporation, Defendants-Appellees.

United States Court of Appeals, Fourth Circuit.

Decided: December 19, 2003.

Attorney(s) appearing for the Case

ARGUED: Rodney Ray Sweetland, III, Washington, D.C., for Appellants.

Ava Elaine Lias-Booker, Jennifer Brune Speargas, SAUL EWING, L.L.P., Baltimore, Maryland, for Appellees.

ON BRIEF: David E. Ralph, SAUL EWING, L.L.P., Baltimore, Maryland, for Appellees.

Before MOTZ, TRAXLER, and KING, Circuit Judges.

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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