What type of report provides information on a consumer's character, reputation, and habits through an investigation?

The type of report that provides detailed information on a consumer's character, reputation, and habits through an investigation is known as an investigative consumer report. This type of report goes beyond the basic information typically included in standard consumer reports, such as credit history or payment records. Instead, it entails a deeper investigation that may involve interviewing acquaintances or others who can speak to the individual's character and lifestyle.

Investigative consumer reports are used by insurers, employers, and other entities that require thorough assessments of a person's background to make informed decisions, often relating to underwriting insurance policies or evaluating job candidates. These reports must comply with federal regulations, including the Fair Credit Reporting Act (FCRA), which ensures that consumers are informed about the report and have the right to dispute any inaccuracies.

While other options like credit reports and consumer reports provide valuable information, they do not include the in-depth investigative component focused on personal character and habits, making investigative consumer reports distinct in their nature and purpose.