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.
If communication does not fall within the definition of 'Consumer Report,' however, it will not be an 'Investigative Consumer Report. '” What's critical to the definition of an Investigative Consumer Report is that information must be obtained through a “personal interview.”
(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.
Section 607(e) requires any person who obtains a consumer report for resale to take the following steps: Disclose the identity of the end-user to the source CRA. Identify to the source CRA each permissible purpose for which the report will be furnished to the end-user.
(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.
The disclosure must: Clearly and accurately disclose to the employee or applicant in writing that it may obtain an Investigative Consumer Report, including information from the referenced personal interviews as to their character, general reputation, personal characteristics, and mode of living.
If the information is to be used for an insurance transaction, the consumer must give consent to the user of the report or the information must be coded.
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.
First contact the seller. If that does not work, contact a consumer complaint agency. If that does not bring satisfaction, consider other options, such as arbitration or filing a lawsuit.
File a complaint with government or consumer programs The BBB tries to resolve complaints against companies. Report scams and suspicious communications to the Federal Trade Commission. Contact econsumer if you are complaining about items you bought online from a seller outside the U.S.