ibus mess data is being furnished in co nnettron with a trtmaiactbn Initiated by the consume. and / or In accordance with Me 'tam inAnrct ohs of the tOnsumer, to edam the Information /elates as pOvided for under' the federal Fat Credrt Reposing Act (FCRA) a the Gramm Wadi &Rey Act (GUM); or b being used a