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Tenant Rejection Letter

A tenant rejection letter, or adverse action notice, informs an applicant that their housing request was denied in accordance with the Fair Credit Reporting Act.[1] This letter informs an applicant of their rejection based on a consumer report and outlines their rights under federal law.[2]
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Updated April 23, 2025

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What MUST be Included (FCR)

  1. Rejection Notice. Notice of adverse action and that a decision has been made.[3]
  2. Contact Information. The name, address, and telephone number of the consumer reporting agency that furnished the report (see below).[4]
  3. Clarifying Statement. Defining that the consumer reporting agency did not make the decision to take the adverse action.[5]
  4. 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]
  5. 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
Atlanta, GA 30374-0241

(800) 685-1111

www.equifax.com

 Experian (TRW)

P.O. Box 4500
Allen, TX 75013

(888) 397-3742

www.experian.com

 TransUnion

P.O. Box 1000
Chester, PA 19016

(800) 888-4213

www.transunion.com

Sample

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Video

Sources

  1. Consumer Financial Protection Bureau – What should I do if my rental application is denied because of a tenant screening report?
  2. 15 U.S.C. § 1681a(k)(1)(B)(iv)
  3. 15 U.S. Code § 1681m(a)(1)
  4. 15 U.S. Code § 1681m(a)(3)(A)
  5. 15 U.S. Code § 1681m(a)(3)(B)
  6. 15 U.S.C. § 1681j(b)
  7. 15 U.S. Code § 1681m(b)(1)
  8. 15 U.S.C. § 1681m(a)(4)(B)