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consumer reporting agency provided XYZ a consumer report
regarding applicant John Doe. There were reports of past
criminal acts of a sexual nature in the consumer report
that ABC should have known would likely have an adverse
effect upon Mr. Doe's application - which it does. ABC did
not send Mr. Doe a notice at the time it sent the report
to XYZ. Has ABC exposed itself to a violation of the FCRA?
is not adequate information provided to determine this issue.
on whether Mr. Doe requested a copy of the report at the
time of the application.