Adverse action API

When a report leads you to withdraw an offer or decline a candidate, FCRA §615 requires two notices with a waiting period between them. PrimaryCheck sends both, with the report and Summary of Rights attached, and tracks the clock.

curl -X POST https://api.primarycheck.com/v1/verifications/ver_…/adverse_action \
  -H "Authorization: Bearer pc_live_…" \
  -H "Content-Type: application/json" \
  -d '{
    "recipient": {
      "email": "amy@example.com"
    },
    "reason": "License status differs from application",
    "waitBusinessDays": 5
  }'

Method	Path	Purpose
POST	`/v1/verifications/{id}/adverse_action`	Send the pre-adverse notice with the report; starts the waiting period.
GET	`/v1/verifications/{id}/adverse_action`	Status: `pre_adverse_sent`, `waiting`, `final_sent`, `withdrawn`; `waitUntil`.
POST	`/v1/verifications/{id}/adverse_action/final`	Send the final adverse action notice (refused before waitUntil unless the candidate disputed and the dispute resolved).
POST	`/v1/verifications/{id}/adverse_action/withdraw`	Cancel the process (you hired them, or the dispute corrected the report).

Adverse action notice contents

Pre-adverse: the report, the Summary of Rights, how to dispute, the waiting period end date.
Final: PrimaryCheck's name, address and phone; that PrimaryCheck did not make the decision; the right to a free copy within 60 days and to dispute.

Templates are built from the CFPB model forms. The dashboard shows the same controls on each verification; see FCRA program.