IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ...

trade line, for the same account, was reported by PNC to CRAs. At various times after the bankruptcy discharge, Farmers & Mechanics and, later, PNC tried to collect from Beachley on the camper loan. In mid-2008, Beachley purchased a car, but was charged a higher rate of interest because of derogatory information on her credit report. ................
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