Fair Credit Reporting: 17.2.8.5.2 Actual damages
Any loss that results from the violation of the Act can be awarded as actual damages. Where a consumer was lured by a credit repair organization into buying a car, but backed out of the deal after discovering the falsity of the company’s representations, money she spent in repairs before canceling the contract would be actual damages.337 The amount paid to the credit repair organization may be awarded as damages even if the consumer does not prove any injury beyond paying that amount.338