What is an investigative consumer report?

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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Consent to Investigative Consumer Report

Allegheny Pennsylvania Consent to Investigative Consumer Report

Category:

Consents and Permissions - Consumer Reports

State:

Multi-State

County:

Allegheny

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

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

Investigative consumer reports, which require approval from the individual, are often more detailed than credit reports. Investigative consumer reports are not usually for evaluating creditworthiness, but are more concerned about judging an individual's character for licensing, tenancy, or employment.

The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested.

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.

Essentially, personal or professional reference verification, and employment verification that stray beyond the realm of facts and into personal character assessments and opinions are considered Investigative Consumer Reports.

An investigative consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence.

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

This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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.

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.

Allegheny Pennsylvania Consent to Investigative Consumer Report

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FAQ

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

Is an investigative consumer report the same as a credit check?

When Must the applicant be told that an investigative report will be obtained?

Do I have to agree to a consumer report?

What shows up on an investigative consumer report?

Do consumers have to provide consent to the preparation of an investigative consumer report?

What is an investigative consumer report?

How long does an investigative consumer report take?

Should I consent to investigative consumer report?

What is an authorization for consumer report?

Interesting Questions

What is an Allegheny Consent to Investigative Consumer Report?

Why would I need to provide an Allegheny Consent to Investigative Consumer Report?

What information is typically included in an Investigative Consumer Report?

Is providing the consent form mandatory?

Will I be notified if an Investigative Consumer Report is being conducted?

How long is the Allegheny Consent to Investigative Consumer Report valid for?

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