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FCRA Adverse Action Notice

Free FCRA adverse action notice template — notifies a job applicant they were not selected based in part on a background check.

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This free fcra adverse action notice covers Consumer Reporting Agency, Your Rights with 8 clearly marked [placeholder] fields to fill in — built for small business owners and first-time managers handling an HR moment professionally without a dedicated HR department to lean on. Copy it into your own word processor, fill in the placeholders, and review it — or adapt it — before use. It's part of docstoc's free document template library, alongside business, legal, real estate, finance, and HR templates. Every template here is free to copy with no signup required, and each one carries a plain disclaimer: this is a starting point for informational purposes, not a substitute for advice from a licensed professional in your jurisdiction.

Template — click to edit

Notice of Adverse Action

[Date]

Dear [Applicant Name],

We are writing to inform you that we have decided not to move forward with your application for [Position], based in whole or in part on information contained in a consumer report obtained about you.

Consumer Reporting Agency

The report was obtained from: [Background Check Company Name] [Address] · [Phone Number]

The reporting agency did not make the decision not to hire you and cannot explain the specific reasons for our decision.

Your Rights

Under the Fair Credit Reporting Act (FCRA), you have the right to:

Obtain a free copy of the report from the reporting agency above within 60 days
Dispute the accuracy or completeness of any information in the report directly with the reporting agency

We encourage you to contact the reporting agency if you believe any information in your report is inaccurate.

Sincerely, [Company Name] [HR Contact]

*This document is provided for informational and educational purposes only and does not constitute legal advice. The FCRA requires a two-step process for adverse action based on a background check: a "pre-adverse action" notice with a copy of the report BEFORE the final decision, giving the applicant time to dispute it, followed by this final notice — sending only this final notice without the earlier pre-adverse step is a common and costly compliance mistake.*

Edit directly in the box above. Download PDF anytime — the docstoc.io footer is always included and cannot be removed.

What's included

Edit online — click the document, fill in placeholders, download a PDF
2 standard sections: Consumer Reporting Agency, Your Rights
8 clearly marked [placeholder] fields for quick personalizing
Free to use — no account or signup required
Fully editable — adjust any clause to match your actual situation
Fixed docstoc.io footer on every PDF (not removable)

Who this template is for

Freelancers & solo founders

Handling routine business paperwork without commissioning custom legal drafting for every document.

Small businesses

Standardizing recurring documents — leases, agreements, notices — across a growing operation.

Anyone reviewing before signing

Using a clear starting structure to understand what a document should cover, even if a lawyer finalizes it.

Growing teams

Formalizing hiring and performance processes as a company adds its first employees.

FAQ

Is this fcra adverse action notice template really free?

Yes — this FCRA Adverse Action Notice template on docstoc is free to view, edit online, and download as a PDF with no account or signup required.

What does this fcra adverse action notice cover?

This hr template includes Consumer Reporting Agency, Your Rights. Fill in the [bracketed] placeholders, edit any clause online, then download a PDF — the docstoc.io footer stays on every export.

Is this legal advice?

No. Employment documents sit on top of a mix of federal, state, and sometimes city labor law — at-will employment rules, required notices, and what you can and can't put in writing all vary. Have an employment attorney or HR professional confirm this fits your jurisdiction before you use it.

Can I edit the wording?

Yes — edit directly on the page, adjust any section or clause, and re-fill the 8 placeholder fields to match your situation before downloading a PDF. It's a starting structure, not a rigid script.

Where can I find more free templates like this?

Browse more free hr and related document templates in the docstoc library at /document-templates/.

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