Permissible purposes of reports

A consumer reporting agency may furnish a consumer report under the following circumstances and no other: (a) In response to the order of a court having jurisdiction to issue such an order; (b) in accordance with the written instructions of the consumer to whom it relates; and (c) to a person which it has reason to believe (1) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or (2) intends to use the information for employment purposes; or (3) intends to use the information in connection with the underwriting of insurance involving the consumer; or (4) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or (5) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.