Answer: B. Under California Civil Code 1786.20(c),
a CRA may not
prepare an investigative report if such a report contains
that the employer could not lawfully access on its own.
California law, a CRA may not prepare an investigative consumer
report on a consumer if:
The employer, not the CRA, maintains a copy of the consumer'swritten
consent authorizing the investigative consumer report.
Making the inquiry as an employer or prospective employer
wouldviolate state or federal equal opportunity laws.
The consumer has previously disputed an investigative consumerreport
prepared by the same CRA.
The End-User only intends to use the information as a factor
indetermining a consumer's eligibility for insurance.