Lisa Kelchner (plaintiff) was an employee of Sycamore Manor Health Center (Sycamore) (defendant). As a condition of employment, Sycamore asked Kelchner to sign an Annual Statement authorizing Sycamore to obtain consumer reports regarding Kelchner’s credit standing should this become necessary in the future. Kelchner refused to sign the Annual Statement, and her employment was consequently terminated. Kelchner filed a complaint against Sycamore, alleging that Sycamore had violated the Fair Credit Reporting Act (Act), 15 U.S.C. § 1681 et seq., because (1) Sycamore did not have a valid employment purpose for requesting Kelchner’s credit report, (2) Sycamore wrongfully required Kelchner to sign a blanket-authorization form that could be used in the future, and (3) Sycamore wrongfully terminated Kelchner based on her refusal to sign the authorization form. The district court granted summary judgment in favor of Sycamore, and Kelchner appealed.