Which sources may contribute to consumer reports collected through the reporting agency?

• A. Employment records
• B. Credit reports
• C. Other public sources
• D. Employment records, credit reports, and other public sources

Answer: (D)

Consumer reports can be built from multiple sources to create a fuller picture. Information about a consumer’s employment history may come from employers, credit history from lenders, and other items from public sources such as court records or government databases. A comprehensive consumer report may include data from any or all of these categories, so the option that lists employment records, credit reports, and other public sources best reflects how reports are collected. Limiting to just one or two sources would miss information that can also be included in the report.