Joe T. Morris received a bad credit rating from the Credit Bureau of Cincinnati based on a bankruptcy filing by his wife that had occurred before their marriage and two unpaid delinquent department-store accounts that were also his wife's. (The delinquent accounts had ended up in his file by accident.) He was denied credit in several instances. After he reported the error to the credit bureau, the bureau corrected his record, but by mistake it opened another account using the name "Joseph T. Morris" with the same inaccurate information. Once again, Morris was denied credit. He sued under the FCRA, requesting compensatory and punitive damages. Who won? Explain.