SAMPLE
MUST BE UPDATED TO REFLECT ACTUAL
CREDIT UNION POLICY/PROCEDURES

Name
Address 1
City, State Zip

Dear ____________________ :

As you know, as part of your application process, you authorized us to obtain a consumer (and/or investigative consumer) report. On Month Day, Year, we forwarded a copy of your consumer (and or investigative consumer) report and a summary of your rights under the Fair Credit Reporting Act (“FCRA”).

Please be advised you are ineligible for employment either wholly or in part based upon the information obtained in a (consumer and or investigative consumer) report from the consumer reporting agency listed below. You have a right under the FCRA to review the information contained in your credit file at the consumer reporting agency. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we denied employment to you. You also have a right to obtain a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the consumer reporting agency.

We obtained the consumer report from (name and address of consumer reporting agency). The consumer reporting agency's toll free telephone number is ___________________. A copy of the consumer report and a written description of your rights as a consumer are enclosed for your review.

If you have any questions regarding this letter, you should contact (name of employer's representative) at the following address and telephone number:

___________________________

___________________________

___________________________

___________________________

Very truly yours,

Enclosures