Information For Victims
Human Trafficking
We are committed to complying with CFPB regulations and assisting victims of human trafficking.
Blocking Information In Your Background Report
Under the Fair Credit Reporting Act (FCRA), individuals requesting to block adverse information from their background check must provide the following:
1. Proof of Identity
To request a block, you must submit “appropriate proof of identity,” which includes:
- Your full name and any alias names used
- Social Security number and/or date of birth
- Copies of government-issued identification (e.g., driver’s license, passport)
- Additional identity verification documents, such as a utility bill
2. Victim Determination and Trafficking Documentation
Provide a Victim Determination statement, which includes official documentation confirming human trafficking victim status. This determination must come from one of the following:
- A State, Federal, or Tribal governmental entity
- A member of a human trafficking task force (e.g., victim service providers authorized by a government entity)
- A self-attestation signed or certified by a recognized authority, such as a court or government representative
3. Identified Adverse Items of Information
Victims may request to block records containing adverse information resulting from trafficking, including:
- Payment delinquencies or defaults
- Records of coerced debt
- Criminal arrests and convictions
- Evictions or non-payment of rent
For Questions About Your Request
Information Blocking Process
- Upon receiving your request, we will block the information within four days.
- If additional information is required, we will notify you within five days.
- A final determination will be made within 25 days, and you will be notified within five days of the outcome.
Notification Includes
- Confirmation that the review is complete
- Explanation of the outcome
- A free updated consumer report (if applicable)
- Description of the determination process
- Appeal options
- A link to the CFPB’s consumer complaint portal
