Free adverse action notice 22
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This is a sample adverse action letter.
Please revise as needed and print on company letterhead




Dear (APPLICANT'S NAME):
This letter is to inform you that This decision was based, either in whole or in part, on information provided to us in a
“consumer report,” “consumer credit report,” and/or an “investigative consumer report” (consumer
report) from the consumer reporting agency listed below. Under the Fair Credit Reporting Act, you have
the right to obtain a free copy of the consumer report by submitting a written request to the consumer
reporting agency no later than 60 days after the date of this notice. You also have the right to dispute the
contents of any information in the consumer report by contacting the consumer reporting agency listed