This educational guide is based on the linked primary sources. It is not a Court publication, is not affiliated with the Court, and is not legal advice.
In brief
Overview
According to Petitioner, the case concerns when the statute of limitations begins for claims of improper disclosure under the Fair Credit Reporting Act.
Background and question before the Court
What each side argues
TRW, INC. (Petitioner)
According to Mr. Henderson (TRW), according to Mr. Henderson (TRW), the injury‑discovery rule is not superfluous.
ADELAIDE ANDREWS (Respondent)
According to Respondent (Mr. Henderson), respondent contends that the two‑year limitation period begins when liability arises, not when the injury is discovered.
What happened at oral argument
According to Respondent (Mr. Henderson), during oral argument, the respondent emphasized that the Fair Credit Reporting Act’s two‑year limitation starts when liability arises.
What the Court decided
Why it matters
Terms to know
No glossary terms are available for this guide.
Primary sources
Read the source materials on the official site or open the immutable repository copy used for this guide.
- 9bf37453cc710455db0b-r1-d4a134b173079a6c.pdforal argument transcript
Guide generated September 19, 2026. Automated validation accepted this version.