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Adverse Action

 

If a background check is conducted and adverse action is taken based on that application, the applicant must be provided with a notice of adverse action, which includes the statement that Pre-Check—the Consumer Reporting Agency—did not make the decision. The information you must provide to the applicant includes:

  • The name, address, and telephone number of the CRA (including a toll-free telephone number, if it is a nationwide company).
  • A statement that the CRA that provided the report did not make the adverse decision and is not able to explain why the decision was made.
  • A statement setting forth the consumer's right to obtain a free disclosure of the consumer's file from the CRA if the consumer makes a request within 60 days.
  • A statement setting forth the consumer's right to dispute directly with the CRA the accuracy or completeness of any information provided by the CRA.

Pre-Check will provide you with templates that will make your job easier when providing notification of adverse action. If you don't have your template yet, please Contact your Customer Service Representative or download it here.

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