Who ran a credit report on me?

The information copy you have received shows who ran your credit. It is always the creditor (eg the company, the bank, the employer, the landlord, the car rental company) who decides whether credit should be granted or not. Valitive has no say in the matter.

The purpose of a credit report is partly to protect the creditor against risk, and partly to protect the individual by reducing the risk of over-indebtedness.