I've been trying to figure out the best way to write this post for a while, and have written, and re-written it numerous times in varying lengths, and styles. Finally I decided to attempt to try to keep it simple. A monumental task for me, since I tend to be extremely verbose... The first question we need to ask ourselves is what is a consumer report, and what does the consumer report include. For the answers to these questions we need to look at the Definitions contained in the act itself. I've tried to narrow this list down to the definitions specifically relating to this discussion.