Seek and ye shall find! Not only an FTC opinion, but one which is supported by caselaw from 1989! Tatelbaum Opinion http://www.ftc.gov/os/statutes/fcra/tatelbaum.htm Quoting St. Paul Guardian Ins. Co. v. Johnson, 884 F.2d 881, 884-85 (5th Cir. 1989)
