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Civil Liability
 
Any person who willfully fails to comply with the FCRA is liable to the consumer for any actual damages sustained by the consumer of not less than $100 and not more than $1,000.
An individual knowingly obtaining a report under false pretenses or knowingly without a permissible purpose, is liable for actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater.
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.
Negligent noncompliance results in liability to the consumer of actual damages, costs and attorney's fees.
 
   
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