Answer: (E) A CRA must communicate “all
relevant information regarding the dispute.” Telling
ABC simply “A” does not direct it to where they
should go to verify the disputed information. By providing
A and C, ABC knows what is being disputed and where to direct
their investigation: Sam Jones. He is the person who can
confirm or deny the consumer’s position. If the consumer
presents an email to the CRA, that he received from Mr.
Jones, then the CRA must provide a copy of the email or
a full description of it to ABC as well.
You, as the CRA, conducted an investigative consumer report
on a potential employee for XYZ Company. In that report
you state that a prior employer, ABC Company, indicated
that they would not re-hire the individual because he failed
to give a two week notice. The potential employee, after
receiving a pre-adverse action notice from XYZ Company,
disputes this information and states that his direct supervisor,
Sam Jones, at ABC Company told him to just go on home after
he gave his two-week notice. You conduct a reinvestigation
and contact ABC Company. What do you tell ABC Company?
Notify them that the consumer (potential employee) disputes
the failure to give notice.
Notify them that the consumer says that he is eligible for
Notify them that the consumer said that his supervisor Sam
Jones told him to leave before the end of the two-week notice.
Notify them that the consumer was allowed to quit early
after giving notice.
A & C
A & D