§ 1681m(a)
Adverse-action notification
If an AI-assisted signal contributes to a program declining to interview you, you are entitled to a notice identifying the source and explaining your right to dispute.
Applicants
Applicant-facing AI evidence
Application evidence for the design-partnership environment.
Period 2026-04
Fairness check 23 of 24 checks passed
Features live 3 text analysis · normalization · cortex
FCRA pathways 3 § 1681m(a) · § 1681i · § 1681g(a)
Application evidence
Connecting to the evidence service…
Fairness, AI features, and applicant rights
23/24 attributes invariant
1 attribute under investigation
48h disposition timeline
One attribute showed sensitivity to a name-correlated variation and is under active investigation. This finding does not mean any specific applicant’s review was determined by the affected attribute — it means the daily test set detected a measurable difference under that variation, and the system has held the affected output type for review until the investigation closes.
§ 1681i
Right to dispute
Disputes open a tracked reinvestigation receipt; you receive the disposition in writing.
§ 1681g(a)
Right to access
On request, you can receive the full chain of AI-assisted signals and the source spans they cite about your submission.