A consumer report is a report prepared by a CRA that includes information on an applicant's or employee's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living and is used or expected to be used for employment purposes.
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 ...
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
In the US it's legal for employers to discriminate based on credit score/history, so unfortunately this is normal.
If the information is to be used for an insurance transaction, the consumer must give consent to the user of the report or the information must be coded.
An important subset of “consumer reports” are so called “investigative consumer reports.” This subgroup includes consumer reports or portions of such reports in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with ...
These obligations include giving written notice that you may request or have requested an investigative consumer report, and giving a statement that the person has a right to request additional disclosures and a summary of the scope and substance of the report. (See 15 U.S.C.
Workplace Investigations. Workplace investigations uncover the facts behind complex complaints and confusing conflicts. The Workplace Investigations team at Employers Council provides thorough and objective reports for the full spectrum of investigative issues.
The Investigative Request for Employment Form assists in background investigations for employment eligibility and security clearance. It collects vital information from supervisors regarding the applicant's background, employment, and suitability.