Define: Investigative Consumer Report

An Investigative Consumer Report is a detailed background check conducted by a third-party agency to gather information about an individual’s character, reputation, personal characteristics, and lifestyle. It is often used by employers or landlords to make informed decisions about hiring or renting.

No, an employer or landlord must obtain your written consent before requesting an Investigative Consumer Report. They are required to provide you with a disclosure that clearly states their intention to conduct the report and obtain your authorization.

An ICR may include information about your employment history, education, credit history, criminal records, references, and any other relevant information that can help evaluate your suitability for employment or tenancy.

Yes, if you believe that the information in your Investigative Consumer Report is inaccurate or incomplete, you have the right to dispute it. You can contact the agency that conducted the report and provide them with the correct information or evidence to support your claim.

There is no specific time limit for how long an Investigative Consumer Report can stay on your record. However, the Fair Credit Reporting Act (FCRA) requires that negative information, such as criminal convictions, bankruptcies, or civil judgments, cannot be reported after a certain period, typically seven to ten years.

Yes, you have the right to refuse to consent to an Investigative Consumer Report. However, keep in mind that an employer or landlord may choose not to proceed with your application or request if you do not provide consent.

No, it is illegal for an employer or landlord to use an Investigative Consumer Report to discriminate against you based on protected characteristics such as race, color, national origin, religion, sex, disability, or age. If you suspect discrimination, you may file a complaint with the appropriate government agency.

Yes, under the FCRA, you have the right to request a copy of your Investigative Consumer Report. The agency that conducted the report must provide you with a free copy if you make the request within 60 days of being notified of the report.

Yes, you can request the removal of outdated or irrelevant information from your Investigative Consumer Report. If you believe that certain information is no longer accurate or necessary, you can contact the agency that conducted the report and provide them with the reasons for your request.

Yes, if an employer or landlord violates the FCRA by not obtaining proper consent, failing to provide required disclosures, or using the information inappropriately, you may have grounds to file a lawsuit. It is advisable to consult with an attorney who specializes in consumer rights or employment law to understand your options.