Adverse Action Letter

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Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Adverse Action Notice

CONFIDENTIAL -TO BE OPEN BY ADDRESSEE ONLY

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Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country

Date

We regret to inform you that your application for our rental property at

has not been unconditionally approved and we are taking the following adverse actions:

APPLICATION IS DENIED
WE ARE REQUESTING A HIGHER SECURITY DEPOSIT THAN NORMALLY REQUIRED
WE ARE REQUESTING A QUALIFIED GUARANTOR

We have not unconditionally approved your your application or have taken an adverse action or we have denied your application based on the following:

Information contained in a consumer credit report obtained from the consumer credit agency listed below
Insufficient information contained in the consumer credit report.
Information obtained from a person or company about your residential history.
Information obtained from a company regarding criminal background information.
Information obtained from a company regarding past evictions.

When a credit report is used when making a decision, section 615(a) of the Fair Credit Reporting Act require us to tell you where we have obtained the report. The consumer agency that provided the report was:

Equifax Credit Information Service, P.O. Box 740241, Atlanta, GA 303374 Phone 800-685-1111
Experian (TRW) Consumer Assistance, P.O. Box 949, Allen, TX 75002, 888-397-3742
TransUnion Corporation, P.O. Box 390, Springfield, PA 19064 Phone: 800-888-4213

The consumer agency mentioned above only provided information and played no part in making the decision to reject your application or to take any adverse action nor can it explain why the decision was made.

Pursuant to Section 612 of the Fair Credit Reporting Act, you have the right to obtain a free copy of your credit report from the consumer agency mentioned above, dispute it’s accuracy and provide a consumer statement describing your position. You may have additional rights under the credit reporting or consumer protection laws of your states. For more information contact your state or local consumer protection agency.

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