Which of the following is NOT a requirement of the Fair Credit Reporting Act ("FCRA")?
A. Consumer reporting agencies furnish consumer reports only to persons having a permissible purpose
B. Users of consumer reports certify to the consumer reporting agency their permissible purpose and also certify that the information contained in the consumer report will not be used for any other purpose
C. State consumer reporting agencies must provide consumers with a free copy of their credit report every year
D. If a user takes any adverse action based on information contained in a consumer report, the user must provide notice of the adverse action to the consumer
C. State consumer reporting agencies must provide consumers with a free copy of their credit report every year
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