[20040105]RS21083_身份盗窃和公平信用报告法：TRW诉Andrews案及立法现状分析.pdf

1For more information on remedies available to victims of identity theft, see CRS ReportRS21163, Remedies Available to Victims of Identity Theft.2P.L. 91-508, tit. 6, 601, 84 Stat. 1128, 15 U.S.C. 1681 et. seq. For more information on theFair Credit Reporting Act, see CRS Report RL31666, Fair Credit Reporting Act: Rights andResponsibilities.Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21083Updated January 5, 2004Identity Theft and the Fair Credit ReportingAct: An Analysis of TRW v. Andrews andCurrent LegislationAngie A. WelbornLegislative AttorneyAmerican Law DivisionSummaryOne of the ways in which victims of identity theft may recover for financial harmis by filing suit under the Fair Credit Reporting Act.1However, the Act imposes a twoyear statute of limitations on suits filed. On November 13, 2001, the Supreme Courtdecided a case interpreting when the Acts statute of limitations begins to run. In thatcase, the Court held that the statute of limitations begins to run when inaccuratedisclosures first occur, and not when the consumer learns of the inaccuracies in hisreport.Severalpiecesoflegislationattemptingt