Which of the following is NOT considered a CRA under the FCRA?

A skip tracer is not considered a Consumer Reporting Agency (CRA) under the Fair Credit Reporting Act (FCRA) because the primary function of a skip tracer is to locate individuals for purposes such as debt collection or finding missing persons. While skip tracers may access consumer data, their primary focus is not on providing reports or data used for credit, employment, or tenant screening, which are the central activities of CRAs.

In contrast, a credit bureau, tenant screening company, and background screening company all fulfill the definition of a CRA as they gather, process, and provide consumer information that is used for making decisions regarding credit, employment, or rental agreements. These entities are specifically regulated under the FCRA because of the sensitive nature of the information they handle, ensuring that consumer rights are protected during these processes.