What type of information about a consumer is not allowed to be listed by a consumer reporting agency in Pennsylvania?

In Pennsylvania, consumer reporting agencies have specific regulations about the type of information they are permitted to report. One significant restriction pertains to medical information. Such information is protected under various laws, including the Health Insurance Portability and Accountability Act (HIPAA) and the Fair Credit Reporting Act (FCRA), which emphasizes consumer privacy regarding sensitive health data.

Medical information can include details about medical conditions, treatments, or payments for healthcare services, all of which can be used to discriminate against individuals in various domains such as insurance, employment, and credit. Because of these privacy concerns, consumer reporting agencies cannot disclose this type of personal health information without explicit consent from the consumer.

In contrast, other options such as employment history, credit history, and public records can generally be reported, as long as they adhere to regulations and practices outlined in the law. Employment history is pertinent for assessing a consumer's job qualifications, credit history provides insight into a consumer's financial reliability, and public records may contain information relevant to legal situations, all of which can be shared under specific conditions.