As a potential response to the red flag "An application appears to have been altered or forged, or gives the appearance of having been destroyed and reassembled," it has been suggested that we respond by sending the applicant an adverse action notice indicating that "Credit application is incomplete. The following information is needed: original signed application submitted to branch office."
This is assuming that the application was received by mail. By sending this notice, the person applying for credit will be prompted to come into a branch in person to submit the application, then the information can be verified at that time. Or, if the person at that address did not apply for credit, the letter would prompt them to contact us.
Does this sound like an acceptable way to respond?