Millstone applied for a new automobile insurance policy after he moved from Washington, D.C., to St. Louis. He was told that a background investigation would be conducted in connection with the application. One week later, he was notified that the policy would not be granted because of a report that the insurance company had received from Investigative Reports, a credit bureau. After repeated efforts to obtain his file, Millstone was informed by Investigative Reports that his former neighbors in Washington considered him a "hippie," a drug user, and a possible political dissident. Investigative Reports refused to discuss the matter further. Has Investigative Reports fulfilled its obligations to Millstone? Explain.