I am new to FCRA and have read several threads on this but am still having troubles. Our system prints a single combined adverse action form (ECOA and FCRA) regardless of the number of applicants. All applicants’ names appear at the top of the form. Bob & Jane apply for a loan. If we deny due to Bob’s credit only and send a combined form to both Bob and Jane, do we need to indicate on the form which of the two has the bad credit? And, as Jane does not need the FCRA disclosure, is it an issue to provide one to her as we are using the joint form?