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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.?
(e) The term ?investigative consumer report? means 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 associates of the consumer reported on or with ...
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
Investigative consumer reports contain information on an individual that is not in their credit report, including their "character, general reputation, personal characteristics, or mode of living" and are most often used by employers to check on job applicants.
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).