MEMORANDUM AND ORDER
JAMES P. O'HARA, United States Magistrate Judge.
I. Introduction
The plaintiff, Carol Beth Tilley, alleges the defendant, Global Payments, Inc., acted willfully or negligently in reviewing her credit information and reporting it to credit reporting agencies, in violation of the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 et seq. This case is now before the court
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