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: 

For mail requests, send all required information to: 
Early Warning 
5801 N. Pima Rd 
Scottsdale, AZ 85250 
Attn: Trafficking Disputes 


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