Consumer Report Law and Legal Definition

A "consumer report," as embedded in the definition of Consumer Reporting Agency (CRA) is: 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--(A) credit or insurance to be used primarily for personal, family, or household purposes; (B) employment purposes; or (C) any other purpose authorized under section 1681b of this title. Carlton v. Choicepoint, 2009 U.S. Dist. LEXIS 109522 (D.N.J. Nov. 23, 2009)