Victims of human trafficking

If you are a victim of human trafficking, you can ask Enzio to block adverse information in your file that resulted from trafficking. To submit a request, please mail us the items below.

1. Appropriate proof of identity

Please provide as much of the following as possible:

• First, middle and last name
• Any other or previously used names
• Current and/or recent full address (street number and name, apartment number, city, state and ZIP code)
• Social Security number
• Date of birth

If needed, additional proof of identity may include copies of government-issued identification documents, utility bills or other documents that confirm your identity.

2. Trafficking documentation

a. Victim determination

Documentation of a determination that you are a victim of trafficking, made by any of the following:

• 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 governmental 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 governmental entity, a court of competent jurisdiction, or an authorized representative of these entities.

b. Identified adverse items of information

Documents or a statement identifying the items of adverse information that should not be furnished by us because they 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.

3. How we should contact you

Your preferred method of written communication: a mailing address or an email address.

Where to send your request

For your security, please send these documents by mail. Do not email your Social Security number or other sensitive information.

If you have questions about what to provide, please call us at (530) 346-6626.

Learn more

The Consumer Financial Protection Bureau provides an overview of the human trafficking rule: Fast Facts: FCRA and Regulation V Human Trafficking Rule (PDF).