... manipulation of information taken from a consumer report, and information that has been combined with other types of information. Further, the NPRexplained that because the definition of consumer information ... a consumer report, it is generally derived from a consumer report and, therefore, within the universe of information covered by § 216 of the FACT Act. Similarly, public record information is often ... information about consumersmay not always know whether the information they receive was derived from a consumer report.37 They suggested, therefore, that the definition of consumer information ...