▁the ▁imp ost or ’ s ▁applications ▁sought ▁reports ▁from ▁the ▁credit ▁reporting ▁division ▁of ▁TR W , ▁which ▁later ▁became ▁Exper ian . ▁TR W ▁matched ▁the ▁social ▁security ▁number , ▁last ▁name , ▁and ▁first ▁initial ▁with ▁Andrew s ’ ▁file ▁and ▁dis closed ▁her ▁credit ▁history ▁to ▁the ▁credit ors . ▁▁ ▁Andrew s ▁did ▁not ▁learn ▁of ▁the ▁dis clos ures ▁until ▁she ▁attempted ▁to ▁ref in ance ▁her ▁home ▁and ▁requested ▁a ▁copy ▁of ▁her ▁credit ▁report , ▁which ▁reflected ▁the ▁imp ost or ’ s ▁activity . ▁TR W ▁corrected ▁Andrew s ’ ▁file ▁when ▁not ified ▁of ▁the ▁mistakes . ▁However , ▁Andrew s ▁alleg ed ▁that ▁the ▁b lem ishes ▁on ▁her ▁credit ▁report ▁“ for ced ▁her ▁to ▁abandon ▁her ▁ref in ancing ▁efforts ▁and ▁sett le ▁for ▁an ▁alternative ▁line ▁of ▁credit ▁on ▁less ▁favor able ▁terms .” ▁ ▁Pro ced ural ▁history ▁Andrew s ▁file d ▁suit ▁against ▁TR W ▁on ▁October ▁ 2 1 , ▁ 1 9 9 6 , ▁approximately ▁ 1 7 ▁months ▁after ▁she ▁became ▁aware ▁of ▁the ▁in ac cur ate ▁information ▁on ▁her ▁credit ▁report ▁and ▁more ▁than ▁two ▁years ▁after ▁TR W ▁made ▁the ▁two ▁initial ▁dis clos ures . ▁Andrew s ▁alleg ed ▁that ▁TR W ’ s ▁failure ▁to ▁verify , ▁prior ▁to ▁dis clos ing ▁information ▁to ▁credit ors , ▁that ▁she ▁initi ated ▁the ▁requests ▁or ▁was ▁otherwise ▁involved ▁in ▁the ▁underlying ▁transactions ▁was ▁in ▁viol ation ▁of ▁the ▁Fair