Can a corporation be the subject of a consumer report?

A corporation cannot be the subject of a consumer report because consumer reports are designed to provide information about individuals, specifically consumers, and their creditworthiness, character, and general reputation. The Fair Credit Reporting Act (FCRA) defines a "consumer" as a natural person, which excludes corporations, partnerships, or other business entities.

This distinction is critical, as consumer reports focus on the personal credit and background information of individuals, not on the financial status or operational details of corporations. While businesses can be assessed through different types of reports, such as business credit reports, these do not fall under the same definition or regulation as consumer reports governed by the FCRA. Therefore, stating that a corporation can be the subject of a consumer report is inconsistent with the FCRA's definition and purpose.