Robert applies to Northern National Bank for a loan. Before granting the loan, Northern requests that Callis Credit Agency provide it with a credit report on Robert. Callis reports that three years previously, Robert had embezzled money from his employer. Based on this report, Northern rejects Robert's loan application.
a. Robert demands to know why the loan was rejected, but Northern refuses to divulge the information, arguing that it is privileged. Is Robert entitled to the information?
b. Assume that Robert obtains the information and alleges that it is inaccurate. What recourse does Robert have?