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Correct Address Of A Credit Bureau For Adverse Action

Answered by: 
Andy Zavoina

Question: 
When we pull credit reports, the actual office it comes from varies from place to place for some reason for the same credit bureau. On the adverse action notices, should we use a single address for the credit bureau (such as the national headquarters ) or should we use the address for the particular office from where the credit report originated?
Answer: 

FCRA Section 615Requirements on Users of Consumer Reports

(If you take adverse action based on a credit report,you will provide...)

(A) the name, address, and telephone number of the consumer reporting agency (including a tollfree telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis) that furnished the report to the person;

This may not be the opinion of my employer and should not be relied upon as legal advice.

First published on BankersOnline.com 06/2/03

First published on 06/02/2003

Filed under: 
Compliance
Filed under compliance as: 
Adverse Action
Credit Bureau
Credit Report
IT
Reporting

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