A consumer reporting agency or user of information that willfully and knowingly fails to comply with a requirement imposed under this chapter with respect to a consumer is liable to that consumer for and the court may award an amount equal to the sum of:
1. Actual damages. Actual damages sustained by the consumer as a result of the failure;
2. Treble damages. An amount equal to 3 times the actual damages according to subsection 1; and
3. Costs and attorney's fees. In the case of a successful action to enforce a liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.