Which of the following is NOT a requirement for credit unions when using consumer reports?

The requirement regarding revealing the nature of every item in the consumer report is not a standard obligation for credit unions when they use consumer reports. Instead, credit unions are typically required to provide general information about the use of the report and specific details that affect the credit decision, rather than disclosing every individual item from the report.

In contrast, credit unions are indeed required to provide the name and contact information for the credit bureau that furnished the report (which helps members understand where to go for further inquiries). They must also notify members of their rights to dispute any inaccuracies found in their reports, which is crucial for protecting consumers' rights. Additionally, informing members that a credit bureau did not make the credit decision helps clarify the process and underscores that the credit union is responsible for its lending decisions, not the credit bureau.