A company runs a credit check on a finalist for a Controller position, as permitted by law. The report reveals a history of loan defaults, leading the hiring manager to reconsider the conditional job offer. Before officially rescinding the offer, what is the employer's immediate legal obligation under the Fair Credit Reporting Act (FCRA)?
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A
Immediately inform the candidate via telephone that they are no longer being considered.
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B
File the credit report in a confidential medical file for future reference.
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C
Request a second, more detailed report from a different consumer reporting agency.
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D
Send the candidate a pre-adverse action notice, a copy of the report, and a summary of their rights.