What information would not be included on an Adverse Action Notice provided to Mr. Jones after his loan application was denied?

The correct answer is that the credit score would not be included on the Adverse Action Notice provided to Mr. Jones after his loan application was denied. Under the Fair Credit Reporting Act (FCRA), while credit reporting agencies must provide information about the denial of a credit application based on a credit report, they are not required to disclose the actual credit score on the Adverse Action Notice.

The notice has specific requirements, and it typically includes information about the credit reporting agency used, includes a clear explanation of the reasons for the denial related to the information obtained in the credit report, and describes the terms of credit that were requested. However, the law does not mandate the inclusion of the specific credit score as part of this notification. This exclusion is designed to maintain privacy and reduce the potential misuse of credit scores.

Understanding the distinction regarding what must be included helps lenders comply with regulations and provides applicants with sufficient information on the factors that influenced the decision without disclosing sensitive personal data like the exact credit score.