It's the use of consumer reports that triggers rights

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It's the use of consumer reports that triggers rights

机译：消费者报告的使用触发了权利

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Q. If I have a permissible purpose and pull a "consumer" report for an applicant in connection with a business-purpose transaction, would I need to provide the Fair Credit Reporting Act's adverse action notice if the application was denied based on that consumer report? Or can I just send an Adverse Action Notice to the business? A. When there are two applicants (even in the case of a business and a consumer) a creditor cannot send a combined Equal Credit Opportunity Act/Fair Credit Reporting Act adverse action notification to only the business if the application is denied, even in part, based on information in a co-applicant's consumer report.

机译：问：如果我的目的是允许的，并且为与商业目的交易有关的申请人提供“消费者”报告，如果基于该消费者报告而拒绝了该应用程序，我是否需要提供《公平信用报告法》的不利行动通知？？还是可以向企业发送不良行动通知？答：如果有两个申请人（即使是一家企业和一个消费者），则债权人不能将合并的《平等信用机会法》 /《公平信用报告法》的不利行动通知仅在申请被拒绝的情况下发送给企业，即使部分被拒绝，基于共同申请人的消费者报告中的信息。

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《ABA Banking Journal》 |2011年第4期|p.45|共1页
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It's the use of consumer reports that triggers rights

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