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Johnson v. MBNA America Bank, N.A., 357 F.3d 426 (4th Cir. 2004) (seminal opinion defining the duties of data furnishers when investigating credit accuracy disputes)
Saunders v. Branch Banking & Trust Co. of Virginia, 526 F.3d 142 (4th Cir. 2008)(upholding jury award of punitive damages in an 80:1 ratio, discussing the FCRA's willfulness standard, and holding that a credit report is inaccurate for purposes of the FCRA if the information is provided in such a manner as to create a materially misleading impression, e.g., that a disputed debt is not disputed).
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