Correct!

E is the correct answer. A consumer must receive notice that an investigative consumer report is being obtained within three (3) days of the report being requested. An investigative report may not include information contained in CRA files older than ninety (90) days and public records must be updated within the last thirty (30) days. (Note – additional restrictions of the reports for employment purposes §613). Finally, the issue of credibility of the source of the information is addressed requiring verification of adverse information with a person with direct and independent knowledge of the information or the person who is the best possible source of the information. This provision was added to prevent reports based upon rumor. See FCRA §§606 and 614.

When a CRA is providing a investigative consumer report (information obtained through personal interviews) what are the special restrictions on such reports?

A. Information in the CRA's file must be re-verified if it is older than three (3) months?

B: Provide specific disclosures to the consumer that a report has been requested.

C: Public record information must be re-verified within thirty (30) days of furnishing the report?

D: Verify adverse information obtained by interview with an additional source or determine if the person interviewed is the best possible source of the information

E. All of the above.