The CFPB recently issued a bulletin reminding nationwide specialty consumer reporting agencies of their obligation under the Fair Credit Reporting Act to provide a streamlined process for consumers to request a free annual credit report. The bulletin indicates that in order to be in compliance with the FCRA, which the CFPB oversees, nationwide specialty consumer reporting agencies must provide a toll-free number that is published in every telephone directory in which a number for the company appears, and which is clearly and...