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TALLEY v. U.S. DEPT. OF AGRICULTURE

No. 09-2123.

595 F.3d 754 (2010)

Wayne TALLEY, Plaintiff-Appellee, v. UNITED STATES DEPARTMENT OF AGRICULTURE, Defendant-Appellant.

United States Court of Appeals, Seventh Circuit.

Decided February 12, 2010.

Attorney(s) appearing for the Case

Larry P. Smith, Chicago, IL, Aaron D. Radbil (argued), Cooper City, FL, for Plaintiff-Appellee.

Henry C. Whitaker (argued), Department of Justice, Washington, DC, for Defendant-Appellant.

Before EASTERBROOK, Chief Judge, and ROVNER and TINDER, Circuit Judges.

EASTERBROOK, Chief Judge.

Any "person" who willfully or negligently fails to comply with the Fair Credit Reporting Act is liable for damages. 15 U.S.C. §§ 1681n(a), 1681o(a). One of the Act's requirements is that lenders report borrowers' payment history accurately to credit agencies. 15 U.S.C. § 1681s-2. The Department of Agriculture violated that requirement by reporting that Wayne Talley is behind on a loan that has been paid off. Talley complained...

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