Which group does not have obligations under the FCRA?

The Equal Employment Opportunity Commission (EEOC) does not have obligations under the Fair Credit Reporting Act (FCRA) because its primary focus is on enforcing federal laws that prohibit employment discrimination. The FCRA governs the collection, dissemination, and use of consumer information, especially in the context of credit reporting and background checks. While the EEOC may interact with consumer reports in the course of its work, it is not classified as a consumer reporting agency or involved in the credit report process itself.

In contrast, end users, resellers, and consumer reporting agencies all play direct roles in the consumer reporting ecosystem. End users utilize consumer reports for decision-making purposes, such as evaluating job applicants or issuing credit. Resellers buy consumer reports from agencies and then resell or distribute this information to third parties. Consumer reporting agencies are responsible for collecting and maintaining consumer information and generating reports based on that data. All these entities have specific obligations under the FCRA, designed to protect consumer rights and ensure accurate reporting.

Thus, the distinction lies in the EEOC's role as a regulatory body focused on civil rights, rather than an entity directly involved in the consumer reporting framework governed by the FCRA.