On remand after a prior appeal decided in plaintiff’s favor, the district court granted defendant summary judgment finding that defendant was not negligent or willful in including in its credit report mention of plaintiff’s criminal charge that was filed more than 7 years before the credit report but was dismissed less than 7 years before the report. This decision affirms the judgment in defendant’s favor finding it was not negligent since its interpretation of the FCRA raised an issue of first impression on the prior appeal, defendant had followed FTC guidance on the issue, and the decision on the prior appeal was not unanimous.