Below are samples of pre-adverse and adverse action emails. If you would like to utilize these examples for your company with Evident's platform, simply follow these steps.
Step 1 - copy the information below
Step 2 - Replace everything that is in all caps bold with your company's information
Step 3 - Upload your document into the onboarding master
__________________________________________________________________________
Pre-Adverse Action Example
Dear [Applicant]:
As authorized by you, [YOUR_COMPANY_NAME] (“the Company”) has obtained one or more consumer reports and/or investigative consumer reports about you from a consumer reporting agency. The Company is considering taking action in whole or in part based on information in such report (s).
Enclosed please find: (1) a copy of the report(s) we obtained from Evident ID, Inc., P.O. Box 19119 Atlanta GA, 31126, www.evidentid.com, 1-877-832-5298 (2) A Summary of Your Rights under the Fair Credit Reporting Act.
If you wish to dispute the accuracy of the information in the report directly with the consumer reporting agency (i.e., the source of the information contained in the report), then you should contact the consumer reporting agency identified above directly. If you see any errors or inaccuracies in your report, please also make sure to contact us, the employer, at [YOUR_COMPANY_ PHONE] within seven (7) business days of the date of this letter.
Individualized Assessment Notice: In the event that criminal history is contained within the above reference consumer report(s) that information will be evaluated and assessed by [YOUR_COMPANY_NAME] on an individualized case-by-case basis in accordance with the law. If you are not disputing the accuracy of the information reported, but you believe that there is additional information or circumstances around this history that may help us better evaluate your fitness for this position, please contact [YOUR_COMPANY_NAME] Member Services Team immediately at [YOUR_COMPANY_PHONE]. If we do not hear from you within seven (7) business days, a decision or determination may be made based on the information currently available to us.
Sincerely,
[YOUR_COMPANY_NAME]
Enclosures:
Copy of Consumer Report
A Summary of Your Rights Under the FCRA
__________________________________________________________________________
Adverse Action Example
Dear [Applicant]:
In reference to your application to participate on our platform, we regret to inform you that we are unable to grant you access at this time. Our decision is based, in whole or in part, on information received from the consumer reporting agency identified below.
The consumer reporting agency did not make the adverse decision, and is unable to explain the specific reason why the adverse action was taken.
You have the right to receive a free copy of your consumer background report from the consumer reporting agency within 60 days of receipt of this adverse action notice. For your convenience, we have enclosed a copy of the consumer background report that you authorized in regard to your application to participate on the platform. You have the right to contact the consumer reporting agency listed below to dispute any information contained in the report that you believe may be inaccurate or incomplete. A copy of your rights under the "Fair Credit Reporting Act" is enclosed, entitled "Summary of Your Rights under the Fair Credit Reporting Act”.
Evident ID Inc
P.O. Box 19119
Atlanta GA, 31126
https://www.evidentid.com/dispute
877-832-5298
Sincerely yours,
[YOUR_COMPANY_NAME]
[YOUR_COMPANY_ADDRESS]