State RegulationsAZ specificDifficulty 1/5
Under 15 USC 1681, an 'investigative consumer report' is best described as a report that includes:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under the federal Fair Credit Reporting Act (15 USC 1681), an investigative consumer report is a consumer report that includes information on a consumer's character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, and associates. Because it reaches beyond credit data into personal life, it carries special disclosure obligations for the applicant.
Why the other options are wrong
- B) A numerical credit score alone is ordinary credit data, not the interview-based portrait that defines an investigative report.
- C) A driving record is motor vehicle data, not interview-based character information.
- D) An underwriting manual is the insurer's internal material and is not a report about a consumer.
Memory hook
Neighbors and friends interviewed = investigative consumer report.