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Are a consumer report and investigative consumer report the same?

No. Consumer reports are written, oral or other communications from a consumer reporting agency, which bear upon a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living that are used (or expected to be used) as a factor in establishing eligibility for employment purposes, or for obtaining credit or a loan. These reports include items such as credit history, driving record, criminal record, etc.

Investigative consumer reports include information on a consumer’s character, general reputation, personal characteristics or mode of living obtained through personal interviews with neighbors, friends or associates of the consumer or acquaintances of the consumer. The most common type of investigative consumer report is a reference check.