📋 Adverse Action Rejection Letter
FCRA-Required Notice When Denying Based on a Consumer Report
Federally Required When Denying Based on a Consumer Report: The FCRA (15 U.S.C. § 1681m) requires landlords who deny a rental application based in whole or in part on a consumer report to send a written adverse action notice. Failure to send this notice is a federal violation subject to damages of $100–$1,000 per violation, plus attorney's fees. Send this any time a report influenced the denial decision.
🏠 Property
👤 Applicant
🚨 Adverse Action Details
🔒 Consumer Reporting Agency Used (Required)
Required FCRA Disclosure: The agency listed above provided the report. The agency did not make the decision to deny your application and cannot explain why it was denied. You have the right to obtain a free copy of the report from the agency and to dispute inaccurate information within 60 days.
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🔍 Order Screening Report →Adverse Action Notice — FCRA Compliance Guide
The Fair Credit Reporting Act (FCRA) requires landlords to send a written adverse action notice whenever a rental application is denied — or approved with materially worse terms — based in whole or in part on information in a consumer report. This is a federal requirement, not optional.
What Must Be Included
- Notification that adverse action was taken
- Name, address, and phone of the consumer reporting agency
- Statement that the agency did not make the decision
- Notice of the applicant's right to obtain a free copy of the report
- Notice of the applicant's right to dispute inaccurate information
When Is This NOT Required?
If you deny an application for reasons completely unrelated to any consumer report (e.g., income too low without running a report, unit already rented), no adverse action notice is required. But if a report was a factor at all, send the notice.
⚖ Legal Disclaimer
These forms are provided for informational purposes only and do not constitute legal advice. FCRA requirements are complex and strictly enforced — violations carry statutory damages of $100–$1,000 per violation plus actual damages and attorney fees. Fair Housing law prohibits discrimination based on protected characteristics. Apply screening criteria consistently to all applicants. Consult a qualified attorney before making screening decisions. See our editorial standards for accuracy details.
