FCRA Rule Summary
The FCRA and Regulation V Human Trafficking Final Rule (“Final Rule” or “Rule”) amends Regulation V to implement a recent amendment to the Fair Credit Reporting Act (FCRA). The Final Rule prohibits consumer reporting agencies from furnishing a consumer report containing adverse item(s) of information that resulted from certain types of human trafficking. It also establishes a method for victims of trafficking to submit trafficking documentation to consumer reporting agencies, procedures for consumer reporting agencies to review that documentation and make a determination, as well as consumer notification requirements.
How to Request to Block Adverse Items
for Victims of Human Trafficking
CRCA can assist in blocking any adverse information resulting from Human Trafficking. Once your request is submitted, a CRCA Representative will contact you within 24 Hours. Please be prepared to provide the following:
1
Proof of Identity
· A copy of a driver’s license or another government-issued identification card;
· A copy of a utility bill, bank statement, or insurance statement; or
· confirmation questions a victim of trafficking could easily answer to prove their identity.
2
Victim Determination Information
Victim determination is generally defined as documentation of a determination that a consumer is a victim of trafficking, made by either:
· 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.
3
Identified Adverse Items of Information
This is generally documents that identify items of adverse information that should not be furnished by us because the items resulted from a severe form of trafficking in persons or sex trafficking. An “adverse item of information” could include records containing derogatory information, such as payment delinquencies or defaults, records of coerced debt, records of criminal arrests and convictions, and records of evictions or non-payment of rent.
The above information can be mailed to CRCA Screening at the following address:
PO Box 44264
Boise, ID 83711
For further assistance or questions regarding the information to provide, contact us at (800) 714-3919.
