Investigative consumer reports differ from consumer reports in that they gather information how?

Investigative consumer reports are distinct from general consumer reports primarily because they collect information through interviews with individuals who know the consumer, such as friends, neighbors, and associates. This process allows insurers or other entities to gain deeper insights into a consumer's character, reputation, and lifestyle, going beyond mere numerical data or credit scores.

The focus on personal interviews helps create a comprehensive picture of the individual that includes personal judgments and testimonials, which are not present in standard consumer reports that primarily rely on objective data like credit scores and financial history. This qualitative information is crucial for companies in sectors like insurance when assessing risk and making underwriting decisions.

The other options highlight methods that are not utilized in investigative consumer reports; they emphasize solely quantitative analysis or information sources that do not involve direct personal accounts, which detracts from the foundation of what makes investigative reports unique.