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The FTC's interpretation of the definition of an Investigative Consumer Report notes that ?An 'Investigative Consumer Report' is a type of 'Consumer Report' that includes information obtained through personal interviews with the consumer's neighbors, friends, associates, or others.
Ing to the Equal Employment Opportunity Commission (EEOC), investigative consumer reporting is ?A report based on personal interviews concerning a person's character, general reputation, personal characteristics, and lifestyle.?
Employers are required to both disclose their intention to obtain a consumer report and obtain written consent from applicants or current employees before requesting a consumer report.
A consumer report can contain a wide variety of information including credit history, past bankruptcy, judicial records, employment records, and even online activity. This information can only be accessed with approval from the individual and is highly regulated by the Fair Credit Reporting Act (FCRA).
Ing to the Equal Employment Opportunity Commission (EEOC), investigative consumer reporting is ?A report based on personal interviews concerning a person's character, general reputation, personal characteristics, and lifestyle.?