Restrictions on Investigative Reports

Only information that is a matter of public record can be included in an investigative consumer report according to the Fair Credit Reporting Act.

Restrictions on investigative consumer reports: Section 1681l

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three months preceding the date the subsequent report is furnished.