What information must be included in the notice of adverse action concerning a consumer report?

In the context of the Fair Credit Reporting Act, a notice of adverse action must include key information to ensure that consumers are well-informed about the actions affecting their credit. The correct answer highlights that the notice must include the name and contact details of the credit reporting agency that provided the consumer report used in the decision-making process. This allows consumers to reach out to the agency for more information, dispute inaccuracies, or understand how their report may have influenced the adverse action taken against them.

Including the credit reporting agency's contact information is critical as it ensures transparency in the credit evaluation process and enables consumers to exercise their rights under the FCRA to verify and amend any incorrect information in their reports.

The other options, while they may carry their own relevance, do not meet the specific criteria set forth in the FCRA for the notice of adverse action. The credit score, reasons for the adverse action, and requests for identity confirmation are pertinent but are not required to be disclosed in the notice itself, which focuses primarily on informing the consumer of the relevant agency involved in the reporting.