1. (a) A consumer who suffers injury by an act of a consumer reporting agency that violates this chapter may bring a civil action against the consumer reporting agency in a circuit or superior court in the county in which the consumer resides.

2. (b) A person who knowingly or intentionally fails to comply with any requirement imposed under this chapter with respect to a consumer is liable to that consumer in an amount equal to the sum of the following:

   1. (1) The greater of:

      1. (A) the amount of actual damages sustained by the consumer as a result of the failure to comply; or

      2. (B) five hundred dollars ($500).

         However, the amount awarded to a consumer under this subdivision may not exceed six thousand dollars ($6,000), regardless of the consumer's actual damages.

   2. (2) Such punitive damages as the court may allow.
   3. (3) In the case of a successful action by a consumer under this section, the costs of the action together with reasonable attorney's fees as determined by the court.

As added by P.L.104-2007, SEC.1.