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 ...
This means that an Investigative Consumer Report is NOT a Criminal Background Check but could be: Personal Reference Checks. Professional Reference Checks.
By signing this form, you are giving consent to have your consumer/credit reports furnished by consumer reporting agencies as part of an investigation to determine your suitability or fitness for federal employment or fitness to perform work under a contract.
With knowledge, training methods, and expertise a private investigator can provide a more accurate, comprehensive and complete picture of a person. In conclusion, a background check is often a method that only scratches the surface of the information truly needed to validate the character of a person.
Why get a copy of my report? Getting your credit report can help protect your credit history from errors and help you spot signs of identity theft. Check to be sure the information is accurate, complete, and up-to-date.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
In the US it's legal for employers to discriminate based on credit score/history, so unfortunately this is normal.
(c) The term “investigative consumer report” means a consumer report in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through any means.
File a report with the FTC at ReportFraud.ftc if your report is about the business practices of an individual, company, or entity.
File a complaint with your local consumer protection office. Notify the Better Business Bureau (BBB) in your area about your problem. The BBB tries to resolve complaints against companies. Report scams and suspicious communications to the Federal Trade Commission.