Consumer Investigative Release With Example In Chicago
Description
Form popularity
FAQ
Consumer Report Furthermore, it must have been used, expected to be used, or collected in whole or in part for the purposes listed in 15 USC 1681a(d). A report containing information only about transactions and experiences between the consumer and the institution making the report is not a consumer report.
(a) Information excluded from consumer reports (2) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
Reports including personal knowledge or firsthand interaction, reports made among persons under common control, and reports other than credit (including skip tracing, law enforcement, dating, and laboratory reports) are not consumer reports.
But the definition of consumer report pursuant to FCRA § 1681a(d) covers far more than your credit report. For instance, the reports that potential creditors obtain about you when you apply for credit are consumer reports. Background check reports that employers obtain about you are also consumer reports.
Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless ...
Section 1681a of the Fair Credit Reporting Act defines an “investigative consumer report” as “a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or ...
An important subset of “consumer reports” are so called “investigative consumer reports.” This subgroup includes consumer reports or portions of such reports in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with ...
The FTC does clarify that obtaining information from a former employer beyond “fact-checking” could constitute an interview and be considered an Investigative Consumer Report. This could include, but is not limited to, asking a candidate's former employer about: Discipline actions against the candidate.
BREAKING NEWS: In the event of breaking news, please call (312) 750-7070. You can also send an e-mail by clicking here: REPORT BREAKING NEWS.
Dave Savini Award-winning Chicago journalist serves as investigative reporter for CBS 2 Chicago. Savini, whose exclusive investigations have earned him broadcast journalism's top honors, began work at CBS 2 Chicago in July 2004.
