ROSS v. F.D.I.C.

No. 08-1851.

625 F.3d 808 (2010)

Charlene ROSS, Plaintiff-Appellant, v. FEDERAL DEPOSIT INSURANCE CORPORATION, as Receiver of Washington Mutual Bank, Defendant-Appellee.

United States Court of Appeals, Fourth Circuit.

Decided: October 29, 2010.


Attorney(s) appearing for the Case

Christopher Wyatt Livingston , White Oak, North Carolina, for Appellant. Thomas G. Hooper , Nelson Mullins Riley & Scarborough, LLP, Charlotte, North Carolina, for Appellee.

Affirmed by published opinion. Judge WILKINSON wrote the opinion, in which Judge KING and Judge GREGORY joined.


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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