Free adverse action notice 38
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Dear ________:
On ______________, 20___, we sent you a notice of our intent to take adverse
action against you based, in whole or in part, on information furnished in a consumer
report by 1st Check, Inc. (“1st Check Inc.”).

We have now taken that adverse action.

(client may wish to describe the actual adverse action taken here, i.e., refusal to hire,
promote, terminate etc.).
You may contact 1st Check, Inc. to dispute the contents of your file or this report.
1st Check Inc. is located at: PO Box 1002, Buffalo NY 14210. Their telephone number
for consumers is: (1-800) 942-4888. 1st Check Inc. cannot tell you why the adverse
action was made.

Although you have been provided a copy of your report, you are still

entitled to another free copy of your report within 60 days of the receipt of this notice
upon which we based our decision. You also have the right to contact the agency which
furnished the report and dispute the accuracy or completeness of the report an