Andrews v. TRW
United States Court of Appeals for the Ninth Circuit
225 F.3d 1063 (2000)
Someone else using Adelaide's (plaintiff) social security number under the last name "Andrews" applied for credit repeatedly, and TRW (defendant) furnished Adelaide's actual credit report to each requesting company simply because the applicant's last name matched the social security number on file; the district court granted TRW summary judgment on Adelaide's claim that TRW lacked reasonable grounds to believe the reports concerned her.
Whether, under the Fair Credit Reporting Act, a credit-reporting agency may issue a report on a consumer if the agency does not reasonably believe the report is intended to be used in connection with a credit transaction involving that consumer.