Fair Credit Reporting: 11.2.1.1 Consumers Generally
The FCRA provides that any person who fails to comply with any FCRA requirement with respect to any consumer is liable to that consumer.17 A consumer is broadly defined as any individual.18 Consequently, any individual can bring an FCRA action where an FCRA requirement has been violated “with respect to” that individual. There is no requirement that the plaintiff have “clean hands” or that the action be in the public interest.19