Who is entitled to receive notices of address discrepancies from consumer reporting agencies?

• A. Persons who request consumer reports
• B. Lenders that request a report
• C. The subject of the report
• D. No one

Answer: (A)

Notice of address discrepancy is a safeguard that alerts the party who obtained the consumer report when the address on file doesn’t match the address the consumer provided. This helps the requester verify the consumer’s identity and avoid acting on potentially incorrect information. The entity using the report—such as a lender or employer—receives this notice so they can take appropriate steps before making decisions based on the report. While the consumer does have rights related to their file, the NAD in this context is directed to the person who requested the report. Hence, those who request consumer reports are the ones entitled to receive notices of address discrepancies.