Under the Fair Credit Billing Act, ________blank. Multiple Choice a card issuer must inform the cardholder of the reporting agency to which the issuer sends its reports the consumer has the right to have a credit report withheld from anyone not having a legitimate business need for the information a card issuer may report a cardholder's delinquency to a credit reporting agency at any time deemed reasonable by it the seller cannot offer discounts if the buyer pays cash for a purchase rather than using a credit card