Prior to taking any adverse action involving employment that is based on the consumer report, the user generally must provide the consumer with:

• 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 consent form

Answer: (A)

Before an employment decision is made based on a consumer report, the Fair Credit Reporting Act requires giving the candidate a pre-adverse-action disclosure that informs them of their rights under the Act. Providing a written description of those rights ensures the person knows they can review the report, dispute any inaccuracies, and obtain a copy of the report. This protection is what the pre-adverse-action notice is designed to accomplish, letting the individual understand and exercise their rights before the adverse action is taken. While a copy of the report is also typically part of the process, the key requirement highlighted here is informing the consumer of their rights under the Act. The other options don’t fit because notice of the action is given after the decision, and consent forms aren’t the relevant pre-adverse-action disclosure.