Release Form:   [View/Download]
IntelliCorp recommends that organizations follow the guidelines set forth in the Fair Credit Reporting Act (FCRA), utilize a signed release form, and maintain the release forms on file for a minimum of five (5) years. IntelliCorp only recommends this as a guideline and this should not be interpreted as policy for your organization's needs. Please contact your staff attorney regarding the policy for your individual organization. Attached is a sample form for your use.


Adverse Action Letter:   [View/Download]
IntelliCorp recommends that organizations follow the guidelines set forth in the Fair Credit Reporting Act (FCRA). IntelliCorp only recommends this as a guideline and this should not be interpreted as policy for your organization's needs. Please contact your staff attorney regarding the policy for your individual organization. Attached is a sample form for your use. See below for additional information regarding the FCRA and Adverse Action.


I.C.3. Adverse Actions Based on Information Obtained From Affiliates
If a person takes an adverse action involving insurance, employment, or a credit transaction initiated by the consumer, based on information of the type covered by the FCRA, and this information was obtained from an entity affiliated with the user of the information by common ownership or control, Section 615(b)(2) requires the user to notify the consumer of the adverse action. The notice must inform the consumer that he or she may obtain a disclosure of the nature of the information relied upon by making a written request within 60 days of receiving the adverse action notice. If the consumer makes such a request, the user must disclose the nature of the information not later than 30 days after receiving the request.

If consumer report information is shared among affiliates and then used for an adverse action, the user must make an adverse action disclosure as set forth in I.C.1 below.


I.C.1. Adverse Actions Based on Information Obtained From a CRA
If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615(a) requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. It must include the following:

  • The name, address, and telephone number of the CRA (including a toll-free telephone number, if it is a nationwide CRA) that provided the report.
  • A statement that the CRA did not make the adverse decision and is not able to explain why the decision was made.
  • A statement setting forth the consumer's right to obtain a free disclosure of the consumer's file from the CRA if the consumer makes a request within 60 days.
  • A statement setting forth the consumer's right to dispute directly with the CRA the accuracy or completeness of any information provided by the CRA.

A Summary of Your Rights Under the FCRA:   [View/Download]
If any adverse action is to be taken based on the consumer report, a copy of the report and a summary of the consumer's rights will be provided to the consumer. Before taking an adverse action, provide a copy of the report to the consumer as well as the summary of the consumer's rights. (The user should receive this summary from the CRA, because Section 604(b)(1)(B) of the FCRA requires CRAs to provide a copy of the summary with each consumer report obtained for employment purposes.) Attached is a copy of this summary document.


Batch Template:
If you are set up for Batch Processing with IntelliCorp, you can utilize this template to submit your bulk applicant list. If you are interested in getting set up for batch processing or learning more about the process, please contact IntelliCorp directly at 440-505-5000. Your sales representative can assist you with this process.