Hyperion is a credit reporting agency. Hyperion furnishes an investigative consumer report about Marcus, a consumer, who is seeking to finance a car with Trans Credit Union, a financial institution. Marcus is given a day's notice that such a report will be generated by Hyperion as part of Trans Credit Union's lending process. Hyperion follows reasonable procedures when collecting information about Marcus. However, Marcus realizes that the report contains false information about him. In this scenario, which of the following is most likely to be true?

Question $71$ options:

Hyperion is protected by the Fair Credit Reporting Act against any liability regardless of whether the investigative procedures were reasonable or not.

Marcus cannot file a libel action against Hyperion for furnishing false information regardless of whether the investigative procedures were reasonable or not.

Marcus can sue Hyperion for furnishing false information as it violates the Fair Credit Reporting Act.

Hyperion is not liable to Marcus as it followed reasonable procedures.

Marcus can sue Trans Credit Union for requesting an investigative consumer report.