May 1, 2023
In December 2021, President Biden signed the Debt Bondage Repair Act (DBRA) into law. The new law created a process for survivors of human trafficking to request that a consumer reporting agency (CRA) block certain damaging information on their consumer credit reports that resulted from their being victimized and prohibits the CRA from providing these negative items information on their reports.
If you have information on your consumer report that was prepared by Scherzer International Corporation (SI) that is a result of you being a victim of human trafficking, you can submit a request for SI to remove or block the information by sending a letter explaining your request and the required supporting documents and information (see below for more) to SI at the address below:
Scherzer International Corporation
21650 Oxnard Street, Suite 300
Woodland Hills, CA 91367
You can also submit your request and required supporting documents online by email at email@example.com or firstname.lastname@example.org.
You may also call us at (800) 383-4336 to speak to an agent about the process for submitting a request related to information resulting from human trafficking.
What do I need to include with my request for SI to remove information resulting from human trafficking?
For SI to process your request and remove information from your SI consumer report that is the result of human trafficking, you need to include the following documents and information with your request:
- A document that confirms that you were a victim of human trafficking, which may be one or more of the following types of documents:
- A document that includes a determination that you were a victim of a form of human trafficking from:
- A federal, state, tribal, or local governmental entity, government agency, or law enforcement entity; or
- A non-governmental entity or task force authorized by a governmental agency to make such a determination;
- A self-attestation, which is a statement prepared by you (or your representative) stating that you were a victim of human trafficking that is certified by an authorized employee or representative of a governmental agency or non-governmental entity; or
- One or more documents from a court indicating a determination by a court that you were a victim of human trafficking in a case where a central issue is whether you are a victim of human trafficking. Court documents can be made up of several documents from the court case that together show that the court accepted as true or found no genuine dispute that you were a victim of human trafficking; and
- A letter requesting the removal of adverse information from your SI consumer report, with supporting documentation. In this letter, identify the adverse information items on your report because of the trafficking. You can write the letter yourself or use this sample letter from the Consumer Financial Protection Bureau.
If a designated representative, like your attorney or a victim assistance advocate, is preparing your statement or submitting your request on your behalf, they must also include proof of their identity and documentation that you have authorized them to act for you, like a valid power of attorney.
Call us at (800) 383-4336 if you have additional questions.
If adverse information due to human trafficking appears on your Equifax, TransUnion, or Experian credit reports, you will need to send a request to each of them separately:
|Equifax Information Services, LLC
P.O. Box 105874
Atlanta, GA 30348(833) 240-3461
P.O. Box 159
Woodlyn, PA 19094(833) 982-4057
P.O. Box 1069
Allen, TX 75013(833) 420-2893