A consumer reporting agency may furnish a consumer report

If not authorized in writing by the consumer 

In response to a court order having jurisdiction or a subpoena issued by a federal grand jury or review or collection of an account of the consumer 

In connection with a credit or insurance transaction 

For employment purposes Before procuring a consumer report, an employer Must disclose to the individual in writing that a consumer report may be obtained Must obtain written authorization from the individual before procuring the report