Actual Damages: Laundry Listing

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Actual Damages: Laundry Listing

Postby Administrator » Tue Oct 04, 2005 5:21 pm

ACTUAL DAMAGES:

LAUNDRY LISTING:


If the trier of facts finds that the consumer reporting agency breached a duty to Plaintiff and that Plaintiff was harmed by such action, then they may award damages for:

(a) Humiliation; Fischl v. GMAC, 708 F.2d 143 (5th Cir. 1983); Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990); Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982); Johnson v. Department of Treasury, I.R.S., 700 F.2d 971, 984 (5th Cir. 1983); Thompson v. San Antonio Retail Merchants Assn., 682 F.2d 509, 514 (5th Cir. 1982); Millstone v. O'Hanlon Reports, Inc., 383 F.Supp. 269 (U.S.D.C. E.D. Mo. 1974), affirmed, 528 F.2d 829, 834-35 (8th Cir. 1976); Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 (9th Cir. 1995) [Cal.];

(b) Mental Distress/Anguish; Fischl v. GMAC, 708 F.2d 143 (5th Cir. 1983); Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990); Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982); Johnson v. Dept. of Treasury, IRS, 700 F.2d 971, 984 [5th Cir. 1983];

(c) Injury to reputation and credit worthiness; Fischl v. GMAC, 708 F.2d 143 (5th Cir. 1983); Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990);

(d) Emotional distress; Smith v. Law Offices of Mitchell N. Kay, 124 B.R. 182 (U.S.D.C. Del. 1991); Bryant v. TRW, Inc., 487 F.Supp. 1234, 1240 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982); Johnson v. Department of Treasury, I.R.S., 700 F.2d 971, 984 (5th Cir. 1983); Thompson v. San Antonio Retail Merchants Assn., 682 F.2d 509, 514 (5th Cir. 1982); Millstone v. O'Hanlon Reports, Inc., 383 F.Supp. 269 (U.S.D.C. E.D. Mo. 1974), affirmed, 528 F.2d 829, 834-35 (8th Cir. 1976); Jones v. Credit Bureau of Huntington, Inc., 184 W.Va. 112, 117 (1990); Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 (9th Cir. 1995) [Cal.];

(e) Damage to Plaintiff's credit rating; Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990);

(f) Anxiety; Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982);

(g) Embarrassment; Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982);

(h) Future damages; Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982);

(i) Out-of-pocket expenses for attorney's fees incurred by a plaintiff prior to litigation of his FCRA claims; Thomas v. Trans Union Credit Information Co., 1992 Westlaw 280516, at *4 (U.S.D.C. N.D. Ill. 1992); Casella v. Equifax Credit Information Services, 56 F.3d 469, 474 (2d Cir. 1995) [N.Y.];

(j) Out-of-pocket expenses. Thomas v. Trans Union, 1992 Lexis 15049 (U.S.D.C. E.D. Ill. 1992); Cook v. ECIS, 1992 Westlaw 356119 (U.S.D.C. Md. 1992).

Stress induced maladies alone are sufficient as damages under FCRA. Cushman v. Trans Union, 1996 Westlaw 153218, at p.3 [U.S.D.C. E.D. Pa. 1996]; Arriola v. Safeco, 15 F.3d 1082 [Table, unpublished] 1993 Westlaw 530480 [9th Cir. 1993] [Idaho].

David A. Szwak

Postby David A. Szwak » Tue Nov 01, 2005 10:39 am

The FCRA permits recovery of various forms of damages, including:

Humiliation, Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 (9th Cir. 1995) [Cal.]; Fischl v. GMAC, 708 F.2d 143 (5th Cir. 1983); Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990); Bryant v. TRW, Inc., 487 F.Supp. 1234 (U.S.D.C. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982); Thompson v. San Antonio Retail Merchants Assn., 682 F.2d 509, 514 (5th Cir. 1982);

Mental distress and anguish, Id.; Johnson v. Dept. of Treasury, IRS, 700 F.2d 971, 984 [5th Cir. 1983];

Injury to reputation and credit worthiness, Fischl v. GMAC, supra; Jones v. Credit Bureau of Huntington, supra;

Emotional distress, Guimond v. Trans Union Credit Info. Co., supra; Smith v. Law Offices of Mitchell N. Kay, 124 B.R. 182 (U.S.D.C. Del. 1991); Bryant v. TRW, Inc., supra; Millstone v. O'Hanlon Reports, Inc., 383 F.Supp. 269 (U.S.D.C. E.D. Mo. 1974), affirmed, 528 F.2d 829, 834-35 (8th Cir. 1976);

Damage to plaintiff's credit rating, Id..; Jones v. Credit Bureau of Huntington, 399 S.E.2d 694 (W. Va. 1990);

Anxiety, Id.;

Embarrassment, Id.;

Future damages, Id.;

Loss of time, Millstone v. O'Hanlon Reports, Inc., 383 F.Supp. 269 (U.S.D.C. Mo. 1974), affirmed, 528 F.2d 829 (8th Cir);

Out-of-pocket expenses for attorney's fees incurred by a plaintiff prior to litigation of his FCRA claims, Thomas v. Trans Union Credit Information Co., 1992 Westlaw 280516, at *4 (U.S.D.C. N.D. Ill. 1992); Casella v. Equifax Credit Information Services, 56 F.3d 469, 474 (2d Cir. 1995) [N.Y.];
and

out-of-pocket expenses. Thomas v. Trans Union, 1992 Lexis 15049 (U.S.D.C. E.D. Ill. 1992); Cook v. Equifax Credit Information Services, 1992 Westlaw 356119 (U.S.D.C. Md. 1992).

A credit denial is nor required to make out a case under the FCRA provisions and stress induced maladies alone are sufficient as damages under FCRA. Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 (9th Cir. 1995) [Cal.]; Cushman v. Trans Union, 920 F.Supp. 80, 1996 Westlaw 153218, at p.3 [U.S.D.C. E.D. Pa. 1996]; Arriola v. Safeco, 15 F.3d 1082 [Table, unpublished] 1993 Westlaw 530480 [9th Cir. 1993] [Idaho].

Further, a consumer need not even prove out-of-pocket expenses in order to recover actual and punitive damages. Stevenson v. TRW, Inc., 987 F.2d 288, 294 (5th Cir. 1993).

Courts have also held that loss of reputation can be inferred from nature of false publication that reflects adversely on consumer. Collins v. Retail Credit Co., 410 F.Supp. 924 (U.S.D.C. Mich. 1976).

David A. Szwak

Postby David A. Szwak » Tue Nov 01, 2005 9:04 pm

Hall v. Harleysville Insurance Co., 943 F.Supp. 536 [U.S.D.C. E.D. Pa. 1996]

Fee applicants " 'should generally be compensated for reasonable expenses such as ... telephone charges, [and] photocopies,' as well as for reasonable costs stemming from computer research." O'Farrell, 889 F.Supp. at 192 [citations omitted]. These costs cannot be awarded, however, unless they are adequately documented. Rush, 934 F.Supp. at 157 [E.D.Pa.1996]. Hall v. Harleysville Insurance Co., 943 F.Supp. 536 [U.S.D.C. E.D. Pa. 1996].

David A. Szwak

Postby David A. Szwak » Wed Nov 30, 2005 10:02 pm

INDIVIDUAL ELEMENTS


** Any award of attorney's fees must be preceded by a full evidentiary hearing where plaintiff's attorney must prove each and every hours of time, etc. -

** Nominal damages - Russell v. Shelter Fin. Services, 604 F.Supp. 201 (U.S.D.C. W.D. Mo. 1984).

** Injuries to reputation, family, work and sense of well-being. Morris v. Credit Bureau of Cincinnati, 563 F.Supp. 962 (U.S.D.C. S.D. Ohio 1983).

** Loss of sleep, nervousness, frustration and mental anguish - Millstone v. O'Hanlon Reports, Inc., 383 F.Supp. 269 (U.S.D.C. E.D. Mo. 1974).


** Punitive Damages - Thornton v. Equifax, 467 F.Supp. 1008 (U.S.D.C. E.D. Ark. 1979); Collins v. Retail Credit Company, 410 F.Supp. 924 (U.S.D.C. E.D. Mich. 1976); Boothe v. TRW, 557 F.Supp. 66 (U.S.D.C. S.D. N.Y. 1982).


** Actual damages "encompass all the elements of compensatory awards generally" - Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041 (1976).

** Actual damages include damage to reputation, mental anguish and time and expense of resolving the dispute - Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041 (1976).

** Consumer's good reputation, at the time of the violation, is presumed - Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041 (1976).

** Consumer must prove exact dollar value of losses or value of each injury - Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041 (1976).

** Law shopping occurs where parties are trying to define the term "actual damages" because it is not defined in the FCRA, so state law controls and no clear definition has evolved. Some states use pecuniary loss only, some use nominal damages and other states permit mental anguish as an element. - For the best discussion, see Rasor v. Retail Credit Co., 87 Wash.2d 516, 554 P.2d 1041 (1976).

** Damages based upon humiliation and mental distress. - Fischl v. GMAC, 708 F.2d 143 (5th Cir. 1983); Thompson v. San Antonio Retail Merchants Assn., 682 F.2d 509 (5th Cir. 1982); Bryant v. TRW, 487 F.Supp. 1234 (U.S.D.C. E.D. Mich. 1980), affirmed, 689 F.2d 72 (6th Cir. 1982).


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