What is a consumer report?
A. As defined in the Fair Credit Reporting Act (Section 603.d), a Consumer Report is any communication of information that is collected and used for the purpose of determining an individual’s eligibility for employment purposes. A consumer report for employment purposes can include criminal history, driving records, credit history, education verification, etc.
Any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for employment purposes.
A consumer report may contain information from public record sources, creditors, and other data furnished, which prospective housing providers and employers use to evaluate an applicant. A consumer report may also show whether or not a person has been sued, filed for bankruptcy, or has a criminal or civil court record. For additional information on consumer reports, see our Glossary of Terms.
• According to the Fair Credit Reporting Act, the term “consumer report” means any communication of any information, by a consumer reporting agency, bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used, or expected to be used, or collected, in whole or in part, for the purpose of serving as a factor in establishing the consumer’s eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or employment purposes, or any of the permissible purposes authorized under Section 604 of the Fair Credit Reporting Act. American Family Insurance gathers information obtained through routine business transactions and occasionally from outside sources by ordering consumer reports from consumer reporting agencies. The information provided might include your driving record (motor vehicle reports or MVR), claims history (claims loss underwriting excha
