Which of the following is NOT a characteristic of a consumer report?

A consumer report is a document that contains information about an individual's credit history and personal data, which is primarily utilized to evaluate that person's eligibility for credit, employment, insurance, and other consumer-related purposes. The critical aspect of a consumer report is that it typically pertains to an individual, providing insights into their financial behavior, creditworthiness, and history.

The assertion that a report is regarding a partnership or corporation rather than an individual is not a characteristic of a consumer report. While there are reports designed for business entities (like commercial credit reports), these do not fall under the legal definition of a consumer report as outlined by the Fair Credit Reporting Act (FCRA). Instead, consumer reports are specifically meant for people—individuals whose capabilities and reliability as consumers are being assessed based on their personal data.

Additionally, consumer reports can indeed be used to establish a consumer's eligibility for employment, can be either oral or written, and are typically prepared by consumer reporting agencies (CRAs). These elements underscore the focus on individual consumer behavior rather than business or corporate actions, which is crucial in distinguishing what constitutes a consumer report in compliance with the FCRA.