Cases 08-13510-BB and 08-13616-BB (consolidated), Bobbie Harris v. Mexican Specialty Foods, Inc. and Julie Best Grimes v. Rave Motion Pictures, Birmingham, LLC et al, In The United States Court of Appeals For The Eleventh Circuit

Congress’s findings and statement of purpose when it enacted the FCRA, its ongoing oversight, and its recent amendments demonstrate the significance it rightly placed on the integrity and confidentiality of the nation’s consumer reporting system. Congress also recognized that public enforcement agencies do not have the capability to enforce the FCRA by themselves. Congress instead gave primary responsibility to the persons with the greatest interest in accomplishing such a task – individual consumers policing their own files, protecting their own privacy and financial interests, and when necessary, enforcing the FCRA’s private statutory remedies. Affirming the opinion would seriously undermine these objectives.