Which of the following is considered a consumer report?

The correct answer is that a criminal history report provided to a landlord by a consumer reporting agency is considered a consumer report. Under the Fair Credit Reporting Act (FCRA), a consumer report is defined as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

A criminal history report falls under this definition because it provides information about an individual's criminal background, which can significantly impact their eligibility for housing or employment. Landlords often rely on such reports to evaluate the risk of renting to a tenant, which is why it is categorized as a consumer report.

The other options do not meet the definition of a consumer report as stipulated by the FCRA. For instance, a reference check conducted by a prospective employer typically involves direct communication with previous employers and does not rely on a third-party consumer reporting agency, thus not classified as a consumer report. Similarly, a verification of income from the employer is considered a communication directly between the landlord and the employer, not facilitated through a consumer reporting agency, which again excludes it from being defined as a consumer report. A drug test performed on a job applicant, while relevant