1. The following persons may bring an action to enjoin violation of this chapter or to recover civil damages under this chapter:
a. The natural person whose name was provided as an individual debtor in the financing statement record filed without that person's authorization under section 41-09-80, any person who owns an interest in the collateral described or indicated in the financing statement record, or any person directly harmed by the filing of the financing statement record; b. The attorney general; c. A state's attorney; d. A municipal attorney; and e. A person who has been damaged as a result of an action taken in reliance on the filed financing statement record. 2. A filing officer may refer a matter to the attorney general or other appropriate person for filing the legal action under this chapter.