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ABC consumer reporting agency provided XYZ a consumer report
regarding applicant John Doe. XYZ declined to hire John
Doe. There were reports of past criminal acts of a sexual
nature in the consumer report. ABC and XYZ's contract prohibits
XYZ from disclosing the consumer report to Mr. Doe. Is this
Yes, so long as Mr. Doe is made aware of the fact he can
obtain the report from ABC.
It depends on whether XYZ made its decision based on any
information from the report.