What type of consumer report includes information about a person's character and reputation?

The correct answer is that an investigative consumer report includes information about a person's character and reputation. Under the Fair Credit Reporting Act (FCRA), an investigative consumer report is more comprehensive than a standard credit report. It goes beyond just financial data and includes interviews and personal references that can provide insights into a consumer’s character, reputation, and lifestyle.

Investigative consumer reports can also involve gathering information about a person’s work history and social behavior, which may include details that reflect on their character. This is particularly pertinent for employers who want to understand not just the financial stability of a candidate, but also aspects related to their trustworthiness and social conduct.

In contrast, a credit report primarily focuses on a consumer's credit history and financial behaviors, such as payment history and account balances. It does not delve into subjective assessments of character or reputation. Personal reports are not a specific classification under FCRA and do not usually refer to standardized forms of consumer reporting. Employment reports typically analyze employment history and might include some character insights, but they are not as broad as investigative consumer reports in scope regarding personal character.