Consumer reporting agencies, under 15 U.S.C.A. § 1681e, must require that prospective users of consumer reports:
identify themselves,
certify the purposes for which the information is sought, and
certify that the information will be used for no other purpose.
Hawaii Prospective User's Certification of Purposes For Which Consumer Reports Will Be Used
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US-01415BG
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FAQ
Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
Consumer reporting agencies (CRAs) prepare consumer reports for other businesses, including landlords. A consumer report may contain information such as a person's credit characteristics, rental history, or criminal history. These reports are covered by the FCRA.
The FCRA defines a consumer report as any written or oral communication that meets all of the following conditions: ? It is prepared by a CRA. ? It bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
It's important to review your credit reports from the three nationwide consumer reporting companies?Equifax, TransUnion, and Experian?every twelve months to ensure they are accurate and complete.
Section 603(d) defines a consumer report to include information about a consumer such as that which bears on a consumer's creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency.
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
The correct answer is D) Verification of identity. A consumer report is typically used for evaluating an individual's creditworthiness, eligibility for insurance, and employment purposes.
1681b(f). FCRA section 607(a) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports ?certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.? 15 U.S.C.
