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TransUnion Risk and Alternative Data Solutions, Inc. is not a “consumer reporting agency,” and the TLOxp services do not constitute a “consumer report,” as these terms are defined by the Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq. (“FCRA”). The TLOxp services may not be used in whole or in part as a factor in establishing an individual’s creditworthiness or eligibility for credit or insurance, or employment, nor for any other purpose under the FCRA.