Volume 5, Edition 8, August 2009
 

This Month’s Challenge is sponsored by:



 
 
 

Correct!

Answer: B. Under California Civil Code 1786.20(c), a CRA may not
prepare an investigative report if such a report contains information
that the employer could not lawfully access on its own.


Under California law, a CRA may not prepare an investigative consumer report on a consumer if:

A. The employer, not the CRA, maintains a copy of the consumer'swritten consent authorizing the investigative consumer report.

B. Making the inquiry as an employer or prospective employer wouldviolate state or federal equal opportunity laws.

C. The consumer has previously disputed an investigative consumerreport prepared by the same CRA.

D. The End-User only intends to use the information as a factor indetermining a consumer's eligibility for insurance.



 

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