Introducing Xactus

Victims of
Human Trafficking 

Are you or have you been a victim of human trafficking? Xactus can provide assistance to help remove identified adverse information.

You can submit a request through Xactus to remove or block adverse information resulting from human trafficking from your report by sending a letter explaining your request, identifying the adverse information and the required supporting documentation (see below for more) to Xactus at the address below:

Address
370  Reed Road,
Suite 101, Broomall, PA 19008

You can submit your request and required supporting documents online at [email protected].

 

You may also call us at (877) 224-8107 to speak to an agent about the process for submitting a request related to information resulting from human trafficking.

What we'll need from you to request and process removal of information from your reports.

1. Proof of identity, which may include copies of a government issued ID, driver’s license, birth certificate, passport, Social Security card or W2;

2. 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. 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
3. A statement identifying (1) the specific items of adverse information on your credit report and/or your Xactus consumer report that resulted from human trafficking (for example, by including the account number and creditor name) and (2) the mailing address (or email address) that we should use to communicate with you in writing about your request.

a. If you are working with a victim advocate, we will need identifying information for your advocate and documentation authorizing your advocate to act on your behalf.

If you have identified adverse information on your credit report, you may need to contact each credit bureau (Equifax, Experian and/or TransUnion) directly to request removal.

TransUnion
P.O. Box 2000
Chester, PA 19022
800-888-4213
www.transunion.com

Experian
P.O. Box 2002
Allen, TX 75013
888-397-3742
www.experian.com

Equifax
P.O. Box 740241
Atlanta, GA 30374
800-685-1111
www.equifax.com

Not sure if you have the documents needed for your request? You can send documentation for review by the Consumer Financial Protection Bureau (CFPB) by using the link below.
 

For more information, please use the Toll-Free number below.

  • Xactus 877-224-8107
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