(b) is the correct answer. This option alerts your end user/client that there might be an issue
from the offer to provide a free updated report while ensuring the end user/client has a permissible purpose (continued employment) which protects
both of you against a potential claim of lack of permissible purpose by the applicant/employee. (a) is a bad business decision. End users/clients
need to have faith in what you provide them and know that if an error occurs you will work to correct it. If the information comes to light, and the
end user/client would not have hired the person had it known, you will likely lose a customer. (c) is incorrect because the CRA does not know if the
end user/client has a permissible purpose at this point in time. (d) is not correct because accuracy is what is important. If the end user still has
a permissible purpose they should know if the past report was inaccurate in any material way.
In conducting an internal audit for quality assurance purposes, CRA, Inc. discovers certain information was reported to the client incorrectly. No dispute was ever filed, so the issue was not previously discovered. What should CRA, Inc. do?
Contact the end user/client to inquire as to whether they hired the applicant. If so, inquire as to whether they would like a free updated report, assuming that they have an evergreen consent, and provide one if requested.
Immediately send the corrected report to the end user/client, making it clear that incorrect information was provided in the report previously made.
CRA's actions are dependent upon whether the incorrect information is helpful or harmful to the consumer.