A Consumer Reporting Agency is a private business that creates, maintains and sells information about you to a business that has a right to have access to your file and has paid a fee to the Consumer Reporting Agency. There are two classes of information which may be on your file at a Consumer Reporting Agency. They are credit information and personal information. For more information go to Consumer Reporting Agencies - Your Rights & Their Responsibilities.
Consumer Reporting Agencies and persons acting as a personal information investigator must register pursuant to the Consumer Reporting Act and comply with regulations.