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(findings are erroneous.)Tj
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(The Administrative Judge erred by finding that Applicant has been employ\
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(record evidence showing that Applicant admitted the debts were his, but \
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(years had passed. )Tj
(Even if Applicant's reading of the Fair Credit Reporting Act were correc\
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(from his credit report does not make them disappear as if they never exi\
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(\(although a)Tj
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