After James Millstone learned that his automobile insurance was about to be canceled, he traced his trouble to his credit rating; he had apparently been given a black mark by O'Hanlon Reports Inc. of New York. Under the federal Fair Credit Reporting Act, he was entitled to have access to "the nature and substance of all the credit information." But Millstone was told by O'Hanlon's St. Louis office that his file was on its way to New York. Eventually, he was read a partial summary, which tagged him as "very much disliked by neighbors ... a hippie type ... participated in...
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