; or (B) any person— (i) who has extended credit to the consumer; (ii) to whom the consumer has applied or is applying for an extension of credit; or (iii) who has a permissible purpose to obtain a consumer report under section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and is making an eligibility determination in a transaction initiated by the consumer; (3) make or use any untrue or misleading statement of the services offered by the authorized credit services provider