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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.?
Examples of consumer reports include criminal background checks and credit reports. To request a consumer report about someone, the requester must follow the procedures in the Fair Credit Reporting Act.
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.
Employers who use "investigative reports" ? reports based on personal interviews concerning a person's character, general reputation, personal characteristics, and lifestyle ? have additional obligations under the FCRA.