If a credit reporting agency is negligent in failing to comply with FCRA, it is liable only for “actual damages sustained by the consumer as a result of the failure.” 15 U.S.C. § 1681o(a)(l). Selvam does not allege that he applied for or forwent applying for any credit after the date on which Experian was informed to delete the LVNV Funding account, July 7, 2012 and before the GECRB/Care Credit accounts were deleted in December 2012. Because Selvam does not allege any way in which he was damaged by the alleged inaccuracy during the time period he alleges Experian had “reason ... to question the accuracy of the ... GE information,” Appellant Br. 21, he does not plausibly allege he suffered any actual damages. See Casella v. Equifax Credit Info. Servs., 56 F.3d 469, 475 (2d Cir. 1995) (<HOLDING>). A credit reporting agency may also be liable
holding that where there is no evidence that during the period in which the credit reporting agency carried the inaccurate information that it provided plaintiffs credit report to any third party no rational trier of fact could infer that any potential creditor or other person in plaintiffs community learned of any helpful information from the defendant credit reporting agency holding that a consumer reporting agency which gives a consumer report to the attorney representing the agency is not subject to the fcra because the attorney is not a traditional third party holding in the context of a fcra violation that a jury could find that a consumers credit score was negatively influenced by the failure to list a debt as disputed because evidence was presented that when a credit reporting agency received notice of a dispute it records the dispute in the credit report and does not include the derogatory information in assessing the credit score recognizing statutory credit holding that the fcras provision that a lender may only use and obtain consumer credit information for the purpose of making a firm offer of credit requires that the lender offer something of value as an extension of credit alone