As per FCRA (Fair Credit Reporting Act), an 'End User' could be an entity (a company or an individual) that has a permissible purpose under the FCRA to obtain and use consumer reports. Examples of these entities include the following:

Creditors: Those who extend credit to consumers, such as banks, credit card companies, and mortgage lenders.
Employers: For employment purposes, with the consumer's consent.
Landlords: When considering a tenant's application.
Insurance companies: For underwriting insurance policies.
Others: Entities that have a legitimate business need for the information and a permissible purpose per FCRA, such as certain government agencies.

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