In an action brought claiming defendant-collection agency violated the Fair Credit Reporting Act (FCRA) by obtaining, without any FCRA-sanctioned purpose, a credit report on her from a credit reporting agency, and that the reporting agency violated the FCRA by furnishing the report, summary judgment for defendants is reversed as: 1) collection agency obtained a credit report on plaintiff for debt collection efforts unrelated to a proper credit transaction, in violation of the FCRA; 2) under 15 U.S.C. section 1681e, defendant-collector's "blanket certification" that it would use the credit reports only for permissible purposes did not absolve defendant-reporting agency from its independent obligation to verify the certification and determine that no reasonable grounds existed for suspecting impermissible use; and 3) thus, genuine issues of material fact remained with regard to the reporting agency's liability.