According to the Fair Credit Reporting Act, what must be disclosed if coverage is denied due to a consumer report?

When coverage is denied due to a consumer report, the Fair Credit Reporting Act requires that the consumer be informed about the reporting agency that provided the information used in the decision. This means that individuals must receive the name and address of the reporting agency involved. This provision is designed to ensure transparency, giving consumers the ability to obtain more information about the report that contributed to the denial of their coverage. Providing the consumer with the reporting agency's information facilitates their right to understand and challenge any inaccuracies in their credit report.

The other elements—such as the reason for denial, the consumer's credit score, or the name and address of the insured—do not meet the specific requirement set by the Fair Credit Reporting Act in this context. While consumers often want to know the reason for a denial or their credit score, the law mandates disclosure of the reporting agency's details specifically when adverse decisions are made based on a consumer report.