We are converting to a new LOS and updating our AAN. The vendor is providing a sample AAN that matches the model notice in Regulation B, except for the verbiage below:
"Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information."
This is on our current AAN, but rarely (maybe never) used. Most of the time, it's marked in error. Is it acceptable to leave it off?