KNOWLEDGE BASE
How do I dispute an item on my credit report related to human trafficking?
Survivors of Human Trafficking have specific rights under FCRA and Regulation V Human Trafficking Rule. Survivors of Human Trafficking may submit documentation to identify items on their credit bureau report that may be a result of Human Trafficking.
The following documentation is required to initiate investigation into credit bureau items resulting from Human Trafficking:
- Trafficking documentation
- A Federal, State, or Tribal governmental entity,
- A court of competent jurisdiction, which includes certain documents filed in court.
- A non-governmental organization or human trafficking task force, including victim service providers affiliated with these entities, authorized by a Federal, State, or Tribal government entity; or
- A self-attestation by a consumer who identifies as a victim of trafficking that is signed or certified by a Federal, State, or Tribal government entity, court of competent jurisdiction, or an authorized representative of these entities.
- Identification of the adverse information which should be blocked
- Appropriate proof of identity
- A preferred method for a CRA to contact the consumer or the consumer's representative
You may contact the Consumer Reporting Agency (CRA) that made the report, such as:
Or, if the adverse information was identified during the course of activities related to a U.S. Bank Treasury application or account, follow the alternative contact methods below:
Through the consumer portal for Early Warning at: https://consumerservices.earlywarning.com
For mail requests, send all required information to:
Early Warning
5801 N. Pima Rd
Scottsdale, AZ 85250
Attn: Trafficking Disputes
Or:
Early Warning 275 Sacramento Street Suite 400
San Francisco, CA 94105
Attn: Trafficking Disputes
Once required documentation has been provided, Early Warning shall block the adverse information within 4 business days. A notification of determination shall be sent out with-in 25 business days.
Requests may also be sent to:
U.S. Bank
Attn: Trafficking Disputes
PO Box 3932
Oshkosh WI 54903-3932