Within the past year, one Wisconsin resident has filed several class-action lawsuits against Wisconsin employers. In each case, the resident claimed that the targeted employers were using improper disclosures in employment applications for purposes of obtaining background information, like consumer and credit reports. The Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq., prohibits persons from procuring a consumer report for employment purposes unless it provides the applicant with a clear and conspicuous disclosure in a document that consists solely of that disclosure. The only other statement that is permitted in the document containing the disclosure is one in which the consumer authorizes the procurement of the report.