For investigative consumer reports, the consumer is advised in writing about the report within how many days of the report request?

• A. Within 3 days
• B. Within 7 days
• C. Within 5 days
• D. Within 10 days

Answer: (A)

Notice must be given in writing within three days of the report request. Investigative consumer reports involve gathering information about a consumer’s character, reputation, or lifestyle through interviews, so the law requires the employer or other user to inform the consumer in writing that such an investigation may be conducted within three days of the request. This early notice protects the consumer’s privacy and keeps them informed about the inquiry, including the fact that a copy of the report can be requested and that the consumer can dispute any information. The 3-day window is the specific requirement for this type of report; other timeframes do not meet the regulation.