An end user can satisfy the adverse action requirements of the act by discontinuing contact with a consumer. True or False?

The statement is false because an end user must take specific actions to comply with the adverse action requirements of the Fair Credit Reporting Act (FCRA). When a consumer's application for credit, insurance, or employment is denied or adversely affected based on information from a consumer report, the end user is obligated to provide notice to the consumer. This notice is meant to inform the consumer of the adverse action taken and must include specific details, such as the name of the consumer reporting agency that provided the report and the consumer's right to obtain a free copy of their report.

Simply discontinuing contact with a consumer does not fulfill these legal requirements. The purpose of the adverse action notice is to ensure that consumers are informed about decisions that affect their creditworthiness and to provide them the opportunity to understand the reasons behind those decisions. Compliance with this aspect of the FCRA is critical in protecting consumer rights.