What is checked in an investigative consumer report?

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.

What information is in an investigative consumer report?

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 ...

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Disclosure
Multi-State
Disclosure That Investigative Consumer Report May Be Made

Investigative Consumer Report Sample Format

Category:

Loans and Lending - Consumer Reports

State:

Multi-State

Control #:

US-01413BG

Format:

Instant download

Description

The Investigative Consumer Report sample format serves as a formal disclosure informing applicants about the possibility of an investigative report being conducted during application processes, such as for insurance or employment. Key features of the form include a clear statement of the purpose of the investigation, which may involve personal interviews and evaluations of the applicant's character and reputation. It also outlines the applicant's right to request detailed information about the investigation's scope. For attorneys, partners, owners, associates, paralegals, and legal assistants, the form is a crucial tool for ensuring compliance with consumer reporting laws and protecting the rights of applicants. It guides users in how to implement the investigative reporting process while maintaining transparency. Additionally, the form can be easily edited to adapt to different application contexts and ensures that applicants are kept informed, thereby fostering trust in the application process. Its straightforward language and format make it accessible for users at all levels of legal experience.

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How to fill out Disclosure That Investigative Consumer Report May Be Made?

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FAQ

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).

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.

If the report is to be used for employment purposes ? or in connection with a credit transaction (except as provided in regulations issued by the banking and credit union regulators) ? the consumer must provide specific written consent and the medical information must be relevant.

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 ...

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.