Under what circumstance do employers not need to comply with adverse action requirements?

Employers are not required to comply with adverse action requirements if they do not obtain a consumer report. Under the Fair Credit Reporting Act (FCRA), adverse action requirements apply specifically when an employer makes a decision that negatively affects an individual's employment based on information found in a consumer report. This includes actions like not hiring an applicant or terminating an employee based on such reports.

If an employer does not obtain a consumer report, they do not have to follow the specific steps related to notifying the applicant or employee of the adverse action, including providing them with a copy of the report or the ability to dispute the information. Thus, the absence of a consumer report fundamentally eliminates the need for these requirements to be fulfilled. The other options presented do not impact the applicability of the adverse action requirements in the same way, making this the correct answer.