Can a consumer report be unintentionally shared with unauthorized individuals?

The correct choice highlights an important aspect of the Fair Credit Reporting Act (FCRA), which is the requirement for consumer reporting agencies to implement reasonable procedures to protect against unauthorized access and sharing of consumer reports. While it is indeed possible for consumer reports to be unintentionally shared with unauthorized individuals, the FCRA establishes a framework where agencies must take necessary precautions in order to minimize such risks.

This means that although unintentional sharing can occur, agencies can't simply dismiss the responsibility; they are required to have protocols in place to reduce the likelihood of these breaches. This reflects the FCRA's focus on protecting consumer privacy and ensuring that consumers' credit information is handled appropriately and securely. Because of the potential for unintentional sharing, the emphasis is placed on the proactive measures that agencies should be taking rather than simply prohibiting the action outright, as would be suggested in the other choices.