Notice to Survivors of Human Trafficking

If you are a survivor of sex or labor trafficking, federal law (FCRA § 605C; 12 CFR § 1022.142) gives you the right to request that consumer reporting agencies block adverse information on your credit report that resulted from trafficking.

How to request a block

• Proof of identity (per 12 CFR § 1022.123, e.g., government ID or other acceptable documentation).
• Trafficking documentation showing a victim determination by a Federal, State, or Tribal government entity; a court; or an NGO/task force authorized by such an entity (a consumer’s signed statement may be used if signed/certified by one of the foregoing).
• Identification of adverse items you believe resulted from trafficking (account numbers, creditor names, dates, etc.).

Where to send your submission:

Certis Credit Info, LLC
Attn: Trafficking Submissions
225 S Main Street
Council Bluffs, IA 51503

Electronic submissions or help:
Email: info@certiscredit.com
Phone: 888.737.0501

What happens next

• We will block the identified items within four (4) business days after receiving your submission.
• If more information is needed, we will notify you within five (5) business days and attempt to resolve any deficiencies.
• We will make a final determination within twenty-five (25) business days and notify you of the outcome.
• We retain records related to your submission for seven (7) years.

This notice is provided pursuant to the Fair Credit Reporting Act (15 U.S.C. § 1681c-2) and CFPB Regulation V, 12 CFR § 1022.142.