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What is a “consumer report”

Posted on July 11, 2019 by Sheri Lash

“Consumer report” is the name of the background check document. A consumer report includes more information than traditional Credit Reports

A consumer report is a document containing information that bears on a consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Under the FCRA, these reports may be used to establish the consumer’s or applicant’s eligibility for:
employment; or
other purposes allowed by the FCRA

The consumer report may include arrest information, criminal records from other states, aliases, employment verification reports, and addresses and phone numbers used by the applicant

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