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when we go to the fcra for example some of yamp;#39;all may be familiar you can use 15 USC 1681 a2ai which talks about transactions or experiences that should not be included on your consumer report so that goes back to that that thatamp;#39;s included in that non-public personal information right because when we go to the fcra section well weamp;#39;re just in the Congressional finding session 15 USD 6 and 81a you go to number four in Congressional findings it says that you have a right to privacy you as a consumer you have a right to privacy so this information doesnamp;#39;t have to be reported that bankruptcy doesnamp;#39;t have to be reported right they talk about public record a consumer thereamp;#39;s no such thing about a public record one weamp;#39;re talking about consumer projects so Congress put these laws out here for yamp;#39;all but itamp;#39;s just for yamp;#39;all to really understand how to actually use it right so these laws are no secret theyamp;#39;re ou