If you’re denying an applicant based on credit history, you must provide an Adverse Action Notice.  This notice must include: the name, address and telephone number of the entity that supplied the consumer report, including a toll-free telephone number for reporting agencies that maintain files nationwide; a statement that the entity that supplied the report did not make the decision to take the adverse action and cannot give the specific reasons for it; and a notice of the individual's right to dispute the accuracy or completeness of any information the credit reporting agency furnished, and the consumer's right to a free report from the agency upon request within 60 days. If you submit NVAR form K1395 – Rental Application Denial Notice, the Notice adequately serves as an Adverse Action Letter.