FCRA adverse action automation
Automate the full FCRA adverse action workflow end to end. Pull the report, generate the pre-adverse and final notices, deliver, log, and track the dispute window. Your compliance team keeps control. Komos handles the manual work between the steps.
The compliance-required notice when a report disqualifies an applicant
Under the Fair Credit Reporting Act, when a consumer report contributes to an adverse decision (denied employment, denied tenancy, denied credit), the user of the report has to send the applicant a pre-adverse action notice with the report, a copy of their consumer rights, and a window to dispute the record. Then, after the window, a final adverse action notice.
The work itself is repetitive and rule-driven. Pull the report. Generate the letter from a template. Send it through the right channel. Wait the right number of days. Send the final letter. Log every step. Repeat for every adverse case. The same workflow sits at the tail of every pre-employment screening pipeline that returns a disqualifying record.
It is also exactly the kind of work that gets people in trouble when it is done by hand. Letters that miss the report copy. Final notices sent before the dispute window closes. Audit trails that are missing the delivery timestamp. Each of those is a real FCRA exposure.
The full adverse action workflow, automated end to end
Your compliance team owns the templates, the channels, and the policy. Komos runs the work between the steps.
- 1
Pull the right report
Komos opens the relevant background check or consumer report in the source system and extracts the adjudicated record. No copy-paste between systems.
- 2
Generate the pre-adverse notice
Using your approved template, Komos drafts the pre-adverse action letter with the consumer's identifying information, the disqualifying record, the source of the report, and the dispute window. Output goes to your reviewer in seconds.
- 3
Deliver and log
Komos sends the letter via your approved channel (email, mailing service, ATS, or applicant portal), captures the timestamp, and writes the audit record back to your system.
- 4
Wait the dispute window
Komos schedules the post-window check on the FCRA-required waiting period and pauses. If a dispute comes in, the workflow halts and routes to your team.
- 5
Send the final adverse action notice
If no dispute, Komos generates the final adverse action notice with the final decision and supporting consumer rights summary, sends it through the same channel, and logs the closeout.
An auditable trail on every applicant
- Pre-adverse action notice generated and delivered with the report copy
- Consumer rights summary attached automatically
- Mandatory dispute window respected before the final notice
- Delivery method, timestamp, and recipient logged on every step
- Full audit trail per applicant available on demand
- Templates owned by your compliance team, edited in one place
FCRA adverse action automation, in plain words
Does Komos make the adjudication decision?
No. Your team or your customer makes the adjudication. Komos handles the workflow that runs after the decision: pulling the report, generating the notice, delivering it, logging the steps, and respecting the FCRA dispute window.
Who owns the letter templates?
Your compliance team. Komos uses the templates you provide. When the template changes, you update it once, and every future run uses the new version.
How does the dispute window work?
Komos schedules the wait based on your configured policy (commonly five business days, but you set it). If the applicant disputes within the window, the workflow halts and routes to your team. If the window closes with no dispute, Komos generates and sends the final notice.
What audit trail does Komos produce?
Every step is logged: the source report, the template used, the rendered letter, the delivery channel, the timestamp, the recipient, and the consumer rights summary. Pull the full record per applicant on demand for your compliance reviews.
Does this work for both CRAs and direct employers?
Yes. CRAs use Komos to run adverse action on behalf of their customers. Direct employers use Komos to run their own in-house adverse action workflow when a report comes back disqualifying.
Run FCRA adverse action without the manual work
See how Komos automates the full pre-adverse to final notice workflow on a real case.