§1681c–3 Adverse Information in Cases of Trafficking

Summary

Credit reporting companies must not put negative items in a consumer’s report if those items came from a severe form of human trafficking or from sex trafficking, and the consumer gives the company special proof called trafficking documentation. Trafficking documentation — proof from a Federal, State, or Tribal government entity or from a court, and papers that point out which negative items came from trafficking. Severe forms of trafficking and sex trafficking — defined in section 103 of the Trafficking Victims Protection Act of 2000 (22 U.S.C. 7102). Victim of trafficking — someone who suffered a severe form of trafficking or sex trafficking. The Director had to create rules within 180 days after December 27, 2021, to set up how consumers submit this documentation.