§ 1681b. Permissible purposes of consumer reports

A consumer reporting agency may furnish a consumer report under the following circumstances and no other:

• (1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
• (2) In accordance with the written instructions of the consumer to whom it relates.
• (3) To a person which it has reason to believe -
  • (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
  • (B) intends to use the information for employment purposes; or
  • (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
  • (D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
  • (E) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.