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An investigative consumer report is more like a detailed background check. Facts that create a picture of who you are as a person are included in this kind of report, and the gathering of that information might even include interviews with your neighbors, friends and associates.
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.
Employers routinely obtain consumer reports that include the verification of the applicant/employee's Social Security number; current and previous residences; employment history, including all personnel files; education; references; credit history and reports; criminal history, including records from any criminal
(d) The term "consumer report" means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or
The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Legally Permissible Purposes.
A consumer reporting agency is any person that (1) for monetary fees, dues, or on a cooperative nonprofit basis regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information, or other information on consumers, for the purpose of furnishing consumer reports to third
If you report information about consumers to consumer reporting agencies (CRAs) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act's Furnisher Rule.
Examples of types of information that may qualify as CR include: arrest, convictions, judgements, and bankruptcies; criminal histories, education, and licenses held by consumers; drug tests (if provided by an intermediary to an employer but not when a drug lab provides the result directly to the employer)
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.
What are some examples of consumer reporting agencies? The three biggest consumer reporting agencies have become household names over the last several years, Equifax, Experian and TransUnion. Although they're often mentioned in the same breath, they each offer different services and reporting features.