Final answer:
The FCRA's statute of limitations for filing a claim starts after the date when the plaintiff discovers the violation, not the date of the initial violation itself. However, the student's question may be confusing the FCRA with Title VII discrimination claims, like in the Lilly Ledbetter case, which dealt with different statutes of limitations rules.
Step-by-step explanation:
The Fair Credit Reporting Act (FCRA) entails various provisions related to consumer information and privacy. In the context of its statute of limitations, it is important to understand that legal matters such as discrimination cases can involve different considerations. The Lilly Ledbetter case highlighted an issue with Title VII's statute of limitations which only started from the date of the discriminatory decision, not the subsequent actions that resulted from it. This case, however, is distinct from FCRA matters which involve credit and consumer information reporting rather than pay discrimination. Hence, while the Ledbetter case brought to attention the issue of a statute of limitations in discrimination law, it does not directly answer the question regarding the FCRA's statute of limitations. For FCRA claims, individuals generally have a different timeframe to initiate legal action based on the date they discover the violation.