Denial for an incomplete application has nothing to do with a credit report unless you were lacking information because of something that was in their report, so I agree, you do not include that on the AAN.
You stated: "We had an application (residential) where the applicant never signed the disclosures so we didn't have intent to proceed. "
Those two actions are not really related. The LE is not required to be signed unless you make it a requirement to do so. Even with an intent to proceed, how would this change the situation?
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