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What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) allows creditors, in this case landlords, to report payments owed and payments made without needing the consent of the individual. The FCRA requires reported data to be used only for specified permissible purposes and that such data is reported accurately and timely. A communication providing an opportunity to opt out prior to the commencement of reporting is all that is required.