all of the following are true regarding the federal credit reporting act except?
a) The FCRA provides consumers with the right to access their credit reports for free once a year.

b) Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports.

c) The FCRA sets a limit on how long negative information can remain on a consumer's credit report.

d) The FCRA mandates that credit reporting agencies can share a consumer's credit information without their consent.