Section 380-M. Civil liability for negligent noncompliance

Any consumer
  reporting agency or user of information who or  which  is  negligent  in
  failing to comply with any requirement imposed under this article, other
  than a violation of section three hundred eighty-t of this article, with
  respect to any consumer is liable to that consumer in an amount equal to
  the sum of:
    (a)  Any  actual  damages sustained by the consumer as a result of the
  failure;
    (b) In the case of any successful  action  to  enforce  any  liability
  under  this  section,  the  costs of the action together with reasonable
  attorney's fees as determined by the court.