Final answer:
A consumer report under the FCRA includes information on credit history, character, and personal traits, used by entities to assess financial risk.
Step-by-step explanation:
A consumer report according to the Fair Credit Reporting Act (FCRA) is a document prepared by a credit reporting agency that contains information on an individual's credit history, potential for credit, character, general reputation, and personal characteristics. This report is used by potential creditors, employers, landlords, and others to assess the risk of engaging in a financial transaction or agreement with the individual. Therefore, considering the options provided, the correct answer would not be related to sharing transactional information between affiliates. It is important to only provide the minimum information requested by any source, ask why information is being collected, how it is going to be used, and who will have access to it; and to monitor your credit history for red flags that indicate your identity has been compromised.