### Question
How does the law define consumer report?


### Answer
Under *15 U.S.C. § 1681a*, **consumer report** is defined as:

> any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness,[1](#1681a_1_target) 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

#### Citation:
  - *15 U.S.C. § 1681a*
  - Heading: **CHAPTER 40-DEPARTMENT OF COMMERCE > SUBCHAPTER III-CREDIT REPORTING AGENCIES**

