What does investigative consumer reports mean?

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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District of Columbia
Consent to Investigative Consumer Report

District of Columbia Consent to Investigative Consumer Report

Category:

Consents and Permissions - Consumer Reports

State:

Multi-State

Control #:

US-001WG

Format:

Instant download

Description

The Federal Fair Credit Reporting Act regulates the use of information on a consumer's personal and financial condition. The most typical transaction which this Act would cover would be where a person applies for a personal loan or other consumer credit. Consumer credit is credit for personal, family, or household use, and not for business or commercial transactions. Also, this Act can apply when a person applies for a job or even a policy of insurance when certain investigations are made of the applicant.

Investigative Consumer Reports are special types of consumer report not commonly used by credit and collection professionals. This report differs from the typical report used for the extension of consumer credit because it is can include information regarding a consumer's character, general reputation, and personal characteristics obtained through interviews with neighbors, friends, business associates, etc.

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FAQ

An investigative consumer report goes beyond the standard credit report and includes any investigation done regarding a consumer. The Federal Trade Commission has taken the position that, when an employer investigates an employee's conduct on the job, including investigations of employee misconduct, the FCRA governs.

Before requesting a consumer report (such as credit reports and background checks), employers now must: (1) make a clear and conspicuous disclosure in a separate document to the applicant or employee that a report may be requested; and (2) obtain written permission from the applicant or employee.

As a rule of thumb, the distinction between the two types of investigations can be thought of as simply verifying the specific facts about education, employment or other information the applicant has provided to the employer ("consumer report") versus obtaining more general character or personal information through

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

Under the FCRA, Consumer Reporting Agencies are defined as persons who regularly engage in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. 15 U.S.C. § 1681a(f).

Get written permission from the applicant or employee. This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports throughout the person's employment, make sure you say so clearly and conspicuously.

Unlike federal law, California law also requires new consent each time an investigative report is sought during employment if the report is for purposes other than suspicion of wrongdoing or misconduct. Employers must provide the applicant or employee with the opportunity to request a copy of the report.

One important distinction to make is that investigative consumer reports will not include any information about your credit record obtained directly from a creditor or from you. An investigative consumer report cannot and will not be used as part of an application to grant credit.

The applicant or employee must agree in writing to the release of the report to the employer. This written permission may be given on the notice itself.

District of Columbia Consent to Investigative Consumer Report

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How to fill out Consent To Investigative Consumer Report?

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FAQ

Who regulates investigative consumer reports?

When you obtain an investigative consumer report you must?

What is the difference between a consumer report and an investigative consumer report?

What does investigative consumer reports mean?

What is the difference between a consumer report and an investigative report?

Who is a consumer reporting agency under the FCRA?

What is Consumer Report consent?

Should I consent to investigative consumer report?

Does an investigative consumer report hurt your credit?

Do I have to agree to a consumer report?

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District of Columbia Consent to Investigative Consumer Report

Description

Related forms

Viewed forms

How to fill out Consent To Investigative Consumer Report?

Form popularity

FAQ

Who regulates investigative consumer reports?

When you obtain an investigative consumer report you must?

What is the difference between a consumer report and an investigative consumer report?

What does investigative consumer reports mean?

What is the difference between a consumer report and an investigative report?

Who is a consumer reporting agency under the FCRA?

What is Consumer Report consent?

Should I consent to investigative consumer report?

Does an investigative consumer report hurt your credit?

Do I have to agree to a consumer report?

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