Kansas Notice of Adverse Action - Non-Employment - Due to Consumer Investigative Report

State:
Multi-State
Control #:
US-AHI-158
Format:
Word; 
Rich Text
Instant download

Description

This AHI form is sent to an applicant who did not receive an offer of employment once the consumer report check was received.

How to fill out Notice Of Adverse Action - Non-Employment - Due To Consumer Investigative Report?

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FAQ

The following are examples of adverse actions employers might take: discharging the worker; demoting the worker; reprimanding the worker; committing harassment; creating a hostile work environment; laying the worker off; failing to hire or promote a worker; blacklisting the worker; transferring the worker to another

Essentially, personal or professional reference verification, and employment verification that stray beyond the realm of facts and into personal character assessments and opinions are considered Investigative Consumer Reports.

Adverse action is defined in the Equal Credit Opportunity Act and the FCRA to include: a denial or revocation of credit. a refusal to grant credit in the amount or terms requested. a negative change in account terms in connection with an unfavorable review of a consumer's account 5 U.S.C.

Employers routinely obtain consumer reports that include the verification of the applicant/employee's Social Security number; current and previous residences; employment history, including all personnel files; education; references; credit history and reports; criminal history, including records from any criminal

It must include information about the credit bureau used, an explanation of the specific reasons for the adverse action, a notice of the consumer's right to a free credit report and to dispute its accuracy and the consumer's credit score.

A creditor must notify the applicant of adverse action within: 30 days after receiving a complete credit application. 30 days after receiving an incomplete credit application. 30 days after taking action on an existing credit account.

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or

An investigative consumer report is more like a detailed background check. Facts that create a picture of who you are as a person are included in this kind of report, and the gathering of that information might even include interviews with your neighbors, friends and associates.

When you apply for a job, your prospective employer may use a consumer report to evaluate you as a potential employee. A consumer report is a collection of documents that may include credit reports, criminal and other public records such as bankruptcy filings, and records of civil court procedures and judgments.

An investigative consumer report offers insight employers use to gain a better understanding of a person's character through interviews. These are often in the form of personal and/or professional references. When deciding which might be best, ask what information are you trying to gain.

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Kansas Notice of Adverse Action - Non-Employment - Due to Consumer Investigative Report