FCRA Adverse Action Router
10 of 14 candidates have adverse action exceptions (15 findings); 8 have FCRA violations, a willful-violation statutory damages range of $800 to $8,000 before punitive damages and fees.
Pre-adverse notice 03/09/2026, adverse action 03/11/2026: 1 full business day(s) in between (03/10). The rule is 5 business days (federal reasonable period), so the earliest compliant decision date was 03/17/2026.
Method1FCRA 604(b)(3)(A): before an adverse employment action based in whole or in part on a consumer report, the employer must give the candidate a copy of the report and the CFPB Summary of Your Rights Under the FCRA.
2Waiting period: at least 5 full business days between the pre-adverse notice and the decision (a setting; the FCRA says a reasonable period and FTC staff guidance has treated five business days as reasonable). Days are counted excluding both dates, weekends and federal holidays.
| Row | Candidate | Location |
|---|---|---|
| 3 | Dana Whitfield | Dallas, TX |
| 4 | Luis Ortega | Brooklyn, NY |
| 4 | Luis Ortega | Brooklyn, NY |
Candidate background check workflow log
Timeline exceptions and notice drafts (Pre-adverse and adverse action notice drafts, Adverse action exceptions (CSV), Candidate timelines (CSV))
$2,500 / month, 30% to the referring partner
Read in memory for the session, never stored, never used to train a model.
Not employment law advice. Decisions about people must stay with a human reviewer and follow the employment laws that apply to you. Not financial, investment, banking or securities advice. Filings and screening results must be reviewed by a qualified compliance professional. Letters, notices and legal analysis are drafts, not legal advice. Have a qualified lawyer review them before they are sent or relied on.