4 Days
To Block Information After Receipt
25 Days
Final Determination Timeline
4 Items
Required With Every Submission
Pursuant to the Fair Credit Reporting Act (FCRA) and regulations promulgated by the Consumer Financial Protection Bureau (CFPB), victims of trafficking can now seek to have adverse information that resulted from trafficking blocked from consumer reports about them. Research Services 4 Brothers LLC ("Research Services") is committed to assisting those who are victims of trafficking in compliance with applicable law. Please follow the instructions below to have adverse information that resulted from trafficking blocked from your consumer report.
Who Is Covered By The Trafficking Law?
The information on this page applies to "victims of trafficking." "Victims of trafficking" are those individuals who were subject to:
- "Severe forms of trafficking in persons." This is defined as sex trafficking in which a commercial sex act is induced by force, fraud, or coercion in which the person induced to perform such act is less than 18 years old; or the recruitment, harboring, transportation, provision, or obtaining of a person for labor or services through the use of force, fraud, or coercion for the purposes of involuntary servitude, slavery, peonage, or debt bondage.
- "Sex trafficking." This is defined as the recruitment, harboring, transportation, provision, obtaining, patronizing, or soliciting of a person for the purpose of a commercial sex act.
What to Submit
Every request must include all four of the following components. Incomplete submissions cannot be processed.
1
Appropriate Proof of Identity — Acceptable forms include a driver's license, state identification card, passport, Social Security card, birth certificate, utility or service bills, or other government-issued identification card.
If you are a victim of trafficking and do not have any of the forms of identification listed above, please contact Research Services at 1-800-367-0606 so that your identity can be confirmed by another method.
2
Victim Determination Documentation — Documentation establishing your status as a trafficking victim. This may include: (a) documentation from a Federal, State, or Tribal governmental entity, or a non-governmental organization or member of a human trafficking task force; (b) a determination by a court of competent jurisdiction; or (c) a signed self-attestation that you are a victim of trafficking, if signed by a Federal, State, or Tribal governmental entity, a non-governmental organization or member of a human trafficking task force, or a court of competent jurisdiction.
3
Identified Adverse Items of Information — Identification of the specific item(s) of adverse information (e.g., arrest records, criminal convictions, civil judgments, etc.) that you believe should not be included in a consumer report about you because the item(s) resulted from a severe form of trafficking in persons or sex trafficking of which you are a victim. This documentation may be prepared by a designated representative on your behalf, except that a credit repair organization may not serve as your designated representative.
4
Preferred contact method — The method by which you would like to be reached during the review process (phone, email, or mailing address). You may provide the contact information of your designated representative in place of your own.
What Happens After You Submit
Within 4 Business Days
We will block the identified information from your consumer file upon receipt of your complete submission, pending our review.
Within 5 Business Days (if needed)
If we need additional information or clarification to complete the review, we will contact you using your preferred contact method.
Within 25 Business Days
We will complete our review and make a final determination regarding your request.
Within 5 Business Days of Determination
We will notify you of our final determination using your preferred contact method.
How to Submit Your Request
Requests may be submitted by phone, email, or mail. All submissions are handled confidentially.
Confidentiality: All trafficking victim assistance requests are handled with strict confidentiality. Your submission will not be shared beyond what is necessary to process your request in compliance with applicable law.
Questions
If you have questions regarding the process or the status of your request, please contact Research Services at 1-800-367-0606 or trafficking@ctbackgroundchecks.com.
Rich Dunn
Research Services
Questions About Your Consumer Report?
Research Services is a PBSA-accredited consumer reporting agency. We're here to help — for trafficking victim assistance, general disputes, or questions about your report.
