No - or most likely not. I don't know what information you have or where you got it from. To be applicable to the FCRA disclosure, you need to have obtained information:
1. From an outside source
2. Other than a consumer reporting agency
3. that bears upon the consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Typically, this information would come from a non-credit reporting bank, an employer or a landlord. In other words, it's information you would typically get from a credit report but the source isn't a credit bureau.
PS...I know several have probably already said this...but as I reread everything again, this very last part of the last line David said (it's information you would typically get from a credit "report" but the source isn't a credit "bureau" that really stood out to help me explain it better to those I am discussing this with...that makes a lot of sense...at least I hope I'm interpreting how THAT was intended correctly to make a lot of sense!
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