Before adverse employment action based on a consumer report, which document must be described to the consumer in writing?

• A. A description in writing of the rights of the consumer under the Act
• B. A copy of the report
• C. Notice of the action
• D. A summary of the report's contents

Answer: (A)

Before adverse action based on a consumer report, the employer must provide a written description of the consumer’s rights under the Fair Credit Reporting Act. This written rights description, often called the Summary of Your Rights Under the FCRA, ensures the consumer knows how to obtain a copy of the report, dispute any inaccuracies, and exercise other protections. While a copy of the report and a notice of action are also required in the process, the document that must be described in writing is the rights description.