What must be done prior to adverse action being taken against an applicant?
Once the Subscriber takes the adverse action, (i.e denial of employment or continued employment, denied tenancy, denied admission or continued participation in a HUD housing program) it must provide certain information to the individual. This notice may be provided orally, in a written form, or electronically and must include 1) The name, address and telephone number of the agency that provided the report; 2) A statement that the reporting agency did not make the decision to take the adverse employment action and is unable to provide the specific reason/s for the decision; 3) A statement of the applicant or employee’s right to obtain a free copy of the consumer report from CAS by making a request within 60 days; 4) Notice of the applicant or employee’s right to dispute the content of the credit report.
