Authorities Cited: United States Code 15 U.S.C. § 1681 15 U.S.C. § 1692 Supreme Court 477 U.S. 242, 255 Circuit Courts 748 F.2d 1161, 1166 84 F.3d 222, 227 87 F.3d 224, 230 118 F.3d 516, 518 123 F.3d 456, 461 128 F.3d 497, 500-501 154 F.3d 384, 386-387 169 F.3d 1057, 1060 214 F.3d 872, 876 323 F.3d 534 333 F.3d 82, 86 362 F.3d 944, 948-949 406 F.3d 410, 414-415 423 F.3d 653, 658 445 F.3d 959, 963 495 F.3d 438, 441 502 F.3d 159 505 F.3d 675, 679 Federal Rules of Civil Procedure Fed. R. Civ. P. 56(c)