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The best. I will take rest of the following is a possible civil penalty for willful or negligent violation of the fair credit reporting Act ii for a negligent violation customer may recover actual damages or a minimum of hundred dollars and a maximum of thousand Dollars in the identity trip to prevention program and used to identify and detect possible identity test is a user agreement be risk based pricing notice or credit score notice D Red flag indicators see adverse action or permissible of the following is a possible civil penalty for willful or negligent violation of the fair credit reporting Act ii for a negligent violation customer may recover actual damages or a minimum of hundred dollars and a maximum.