What MUST be Included (FCR)
- Rejection Notice. Notice of adverse action and that a decision has been made.[3]
- Contact Information. The name, address, and telephone number of the consumer reporting agency that furnished the report (see below).[4]
- Clarifying Statement. Defining that the consumer reporting agency did not make the decision to take the adverse action.[5]
- Receive a Free Report. The applicant can receive a copy of the consumer report by written request within 60 days after receiving the adverse action.[6][7]
- Right to Dispute. A notice that includes the right to dispute the accuracy or completeness of any details provided by the consumer report.[8]
Consumer Reporting Agencies
Equifax
P.O. Box 740241 (800) 685-1111 |
Experian (TRW)
P.O. Box 4500 (888) 397-3742 |
TransUnion
P.O. Box 1000 (800) 888-4213 |
Sample
Video
Sources
- Consumer Financial Protection Bureau – What should I do if my rental application is denied because of a tenant screening report?
- 15 U.S.C. § 1681a(k)(1)(B)(iv)
- 15 U.S. Code § 1681m(a)(1)
- 15 U.S. Code § 1681m(a)(3)(A)
- 15 U.S. Code § 1681m(a)(3)(B)
- 15 U.S.C. § 1681j(b)
- 15 U.S. Code § 1681m(b)(1)
- 15 U.S.C. § 1681m(a)(4)(B)