Correct!

Answer: D; Under Section 606 of the FCRA, a CRA cannot report adverse information that was obtained by interviews with neighbors, friends, etc. (an investigative consumer report), unless it either followed reasonable procedures to obtain a confirmation of the information from an additional source with direct knowledge OR that it obtained information from the best possible source of information originally.

When a CRA reports an investigative consumer report with potentially adverse information, it must ensure:

a) that it followed reasonable procedures to obtain confirmation of the information from an additional source who has knowledge

b) that the person originally interviewed was the best possible source of information

c) that the information can be confirmed by documentation

d) Either a or b