How to Submit a Request
If you see adverse items of information on your TransUnion credit report that resulted from trafficking, you can take these steps to remove them.
Step 1: Write out the following details
To request the removal of adverse information from your TransUnion credit report, you need to submit a letter with supporting documentation to TransUnion.
In this letter, identify the adverse items of information that are on your credit report as a result of the trafficking. You can write the letter yourself, or you can use this sample letter from the Consumer Financial Protection Bureau.
Step 2: Gather proof of identity and trafficking victim determination documents
With your letter, you’ll also need to include proof of identity and a trafficking victim determination. A trafficking victim determination is documentation that you are a victim of trafficking issued or signed by a federal, state, local or tribal governmental entity.
Please only submit photocopies of documents that prove your identity. Examples of acceptable documents include:
Proof of Identity Documents (Provide 1) | Trafficking Victim Determination Documents (Provide 1) |
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- Driver's license
- Government-issued ID
- Passport
- Utility bills
- Social Security card
- Birth certificate
If you can't provide proof of identity from one of the documents above, you can call us at 833-982-4057 to verify your identity over the phone
| - Certification letters issued by the Department of Health and Human Services (HHS)
- Child eligibility letters (issued by HHS)
- Continued presence (issued by HHS)
- T Visas (issued by U.S. Citizenship and Immigration Services)
- A bona fide T Visa application
- U Visa with a Form I-918 Supplemental B indicating the victim experienced human trafficking
- Restitution orders
- Crime victim compensation
- Criminal record relief court orders
- Civil suit decisions related to human trafficking
- Documents issued by state government agencies (such as Notice of Confirmation as a Human Trafficking Victim in NY State issued by the NY State's Office of Temporary and Disability Assistance)
- Self-attestation signed by or with an accompanying document that includes a signature by a federal, state or tribal governmental entity; a non-governmental organization or human trafficking task force that is authorized by a governmental entity to make such a determination; consumer advocacy group or a court representative
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Step 3: Submit your documents
If you need help or have questions about submitting your documents, please call us at
833-982-4057 and a representative can walk you through the process for submitting by mail or online.
Submit by mail
After you gather the above documents, mail everything to our dedicated mailbox for trafficking survivors:
TransUnion
P.O. Box 159
Woodlyn, PA 19094
Submit online
After you gather the above documents, log in to the TransUnion Service Center to get started. If you don't have a user account, you can create one for free.
Once you’re logged in, select “Dispute” to begin. Then select any adverse account that is on your credit report as a result of the trafficking.
After you select the account(s), follow these steps:
- On the account dispute page, when asked “Why are you disputing” the item, select the option that best matches the reason for your request. You will then be prompted to select a reason for the dispute. There is no specific option for adverse items that resulted from human trafficking, so select the reason you believe best applies to your situation.
- If you want, you can add in an optional comment below this section. In the comment field, don't include comments that contain your human trafficking victim status, medical information, personally identifiable information (such as Social Security number) or abusive language.
- Next, at the bottom of the screen, look for the option “Do you want to upload documents related to this dispute?” Check the box next to “Yes” and then click “Save & Continue” to proceed to the Upload Supporting Documents page. This is an important part of the process and will allow you to upload your proof of identity, trafficking victim determination document, letter listing the adverse information you want to remove and any other documents to support your request.
If the adverse information you are seeking to remove does not include at least one account, please do not use the website. Instead, follow the instructions above to submit your documents by mail or call us at 833-982-4057 for additional help.
What happens after you submit your request?
Your request will be processed within 4 business days of receipt of the information. You’ll receive further communication(s) about the status of your request, including whether we need additional documentation to process your request. If information is removed from your credit report, we'll provide you a free copy of your updated credit report.