§ 380-m. Civil liability for negligent noncompliance. Any consumer\nreporting agency or user of information who or which is negligent in\nfailing to comply with any requirement imposed under this article, other\nthan a violation of section three hundred eighty-t of this article, with\nrespect to any consumer is liable to that consumer in an amount equal to\nthe sum of:\n (a) Any actual damages sustained by the consumer as a result of the\nfailure;\n (b) In the case of any successful action to enforce any liability\nunder this section, the costs of the action together with reasonable\nattorney's fees as determined by the court.\n
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