Consumer Credit Reporting Reform Act of 1991

[AI summary unavailable — showing source text] Consumer Credit Reporting Reform Act of 1991 - Amends the Fair Credit Reporting Act to place additional restrictions on the permissible purposes of consumer reports. Allows a consumer reporting agency (CRA) to furnish a consumer report, and a person to use such a report, for employment purposes, if the employment requires a security clearance, a fidelity bond, or other fiduciary reason. Requires the person who obtains such report to certify to the CRA that disclosures regarding it have been made to the affected prospective or existing employee, except in the case of wrongful activity. Allows a CRA to furnish a consumer report in connection with any credit transaction which is not initiated by the consumer only if: (1) the consumer authorizes the CRA to provide such report; or (2) the consumer has received a certain notice that information from the consumer's file may be used and the consumer has had the opportunity to notify the agency of non-consent on the use of such information. Requires CRAs which furnish such reports to maintain a notification system which permits the consumer to elect to have his name and address removed from any list of names and addresses provided by such a…