Investigative Consumer Report Sample Format
Description
How to fill out Disclosure That Investigative Consumer Report May Be Made?
The Investigative Consumer Report Sample Format displayed on this page is a versatile formal template created by experienced attorneys in accordance with federal and local statutes and regulations.
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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.
