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Pre Adverse Action Letter - IntelliCorp 2026

The document is a Criminal Offender Record Information (CORI) Personal Request Form from the Commonwealth of Massachusetts, detailing the process for individuals to request their own CORI information. It outlines eligibility requirements, payment methods, necessary personal information, and terms and conditions for submitting the request. The form emphasizes that it is illegal for employers to require personal CORI and includes instructions for those who may be indigent. Additionally, it provides legal disclaimers regarding the use of CORI data.

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Definition and Purpose of Pre Adverse Action Letter - IntelliCorp

A Pre Adverse Action Letter is a formal notification sent to an individual when an entity, such as an employer, is considering taking adverse action based on the information in a consumer report. Specifically for the IntelliCorp version, this letter serves to inform the applicant or employee that their background check may negatively affect their employment status. According to the Fair Credit Reporting Act (FCRA), providing this letter gives the individual an opportunity to review the report and correct any inaccuracies before a final decision is made.

How to Use the Pre Adverse Action Letter - IntelliCorp

Employers should use the Pre Adverse Action Letter - IntelliCorp to comply with legal obligations under the FCRA. It is provided before making any decision that might adversely affect an individual's employment status. To use this letter effectively:

Review the background check results carefully.
Prepare the Pre Adverse Action Letter, ensuring all information from the report is included.
Attach a copy of the relevant consumer report and a summary of rights under the FCRA.
Mail the letter to the individual, allowing sufficient time for them to respond.

Steps to Complete the Pre Adverse Action Letter - IntelliCorp

Gather Required Information: Ensure all necessary details like applicant's name, contact information, and specifics of the adverse items in the report are at hand.
Draft the Letter: Use a clear and professional tone, stating explicitly that the background check may affect employment.
Include Consumer Report: Attach a copy of the consumer report and summary of consumer rights.
Timing: Send the letter promptly to give the recipient adequate time to respond or dispute.
Await Response: Allow a reasonable period for the individual to respond with any corrections or disputes.

Key Elements of the Pre Adverse Action Letter - IntelliCorp

Personal Details: Full name and address of the recipient.
Explanation of Adverse Items: A detailed description of the specific parts of the report that may lead to adverse action.
Consumer Rights: Includes a summary of consumer rights under the FCRA.
Contact Information: Details on how the individual can contact the reporting agency to address inaccuracies.

Legal Use and Compliance

The Pre Adverse Action Letter is legally mandated under the FCRA. Failing to provide this notice can result in penalties. Employers must ensure that:

They send this letter prior to any adverse hiring decision.
All information is accurate and up-to-date.
They respect the individual's rights to contest the information.

Who Typically Uses the Pre Adverse Action Letter - IntelliCorp

Primarily, employers who utilize background checks during their hiring process will use this letter. It is also applicable to any organization that needs to consider consumer reports as part of assessing candidates or employees. This includes sectors like finance, healthcare, and security industries.

Important Terms Related to Pre Adverse Action Letter - IntelliCorp

Adverse Action: A negative employment decision based on a consumer report.
Consumer Report: Document outlining an individual's credit worthiness, standing, and reputation that employers review.
Fair Credit Reporting Act (FCRA): U.S. Federal law that regulates the collection of credit information and access to credit reports.

Eligibility Criteria for Receiving the Pre Adverse Action Letter - IntelliCorp

This letter is pertinent to any individual who has undergone a background check as part of an employment process and where information might lead to an adverse employment decision. Employers must assess the relevance and accuracy of the findings before issuing the letter.

Disclosure and Penalties for Non-Compliance

Employers are obliged to make transparent disclosures when adverse decisions are based on consumer reports. Non-compliance can lead to legal consequences, including lawsuits for damages and statutory penalties. It underscores the importance of sending a Pre Adverse Action Letter to afford individuals fair consideration and safeguard employer accountability.

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