Under the FCRA, what type of information is not allowed to be reported?

Under the Fair Credit Reporting Act (FCRA), there are specific guidelines about the reporting of certain types of information, particularly concerning how long negative information can be reported on a consumer's credit report.

In this context, the correct answer is that arrest records that are more than seven years old are not allowed to be reported. The FCRA stipulates that criminal records, specifically arrest records, have a reporting limitation of seven years. This means if an arrest did not lead to a conviction, it cannot be reported if it is older than seven years. This is part of the FCRA's control over how long negative information can affect a consumer's creditworthiness and financial opportunities.

The other choices reflect information that has different reporting durations or conditions. Civil suits, for instance, can be reported for up to seven years from the date filed, while bankruptcy cases can stay on a credit report for up to ten years, depending on the type of bankruptcy. Tax liens are treated similarly and can remain on a credit report for up to seven years after they are paid. Therefore, while the other items may be reported under specific circumstances, arrest records that are more than seven years old cannot be included in a credit report, reflecting the FCRA's focus on consumer protection