Instructions for submitting a request to block adverse action

We will need for you to provide the following categories of information as part of your submission to us to request a block of adverse items of information that resulted from trafficking.

  1. Appropriate Proof of Identity
  2. Trafficking Documentation
  3. Identified adverse items of information
  4. A preferred means of written communication to you

See below for details.  Please provide as much information as possible!

1. Appropriate Proof of Identity

  • First, Middle, Last Name
  • Any other or previously used names,
  • Current and/or recent full address (street number and name, apt. no., city, state, and zip code),
  • SSN
  • DOB

Additional proof of identity only if needed. Copies of government-issued identification documents, utility bills, and/or other methods of authentication of a person’s identity,

2. Trafficking Documentation

This is Victim Determination Information.  Victim determination is generally defined as documentation of a determination that a consumer is a victim of trafficking, made by either:

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

3. Identified Adverse Items of Information

  • This is generally documents that identify items of adverse information that should not be furnished by us because the items 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.

4. A Preferred Means of Written Communication to you

  • This can be a mailing address or email address.

Please mail the above information to either of these mailing addresses:

Address One


3190 S Wadsworth Blvd, Suite 260

Lakewood, CO  80227

Address Two

Attn: Human Trafficking Compliance


3190 S Wadsworth Blvd, 2nd Floor

Lakewood, CO  80227

If you have questions regarding what to provide, please call us at 800-580-0474 or email

An overview of the Human Trafficking Regulation can be found here: