How to Dispute Human Trafficking on Experian?

Look at your Experian report and copy the exact wording used for the trafficking entry.

1. Get your free Experian report from the Free annual credit report portal or directly at Experian.com.
2. Sign in, select 'Credit Report,' then open the 'Public Records' or 'Account History' section.
3. Scan each record until you see a line that references human trafficking; note the description field, dates, and any case number shown.
4. Screenshot or print that line, then transcribe it word‑for‑word, keeping punctuation and spacing exactly as displayed.
5. Write down the accompanying reference ID (e.g., inquiry or record number); you'll need it when you file the dispute in later steps.

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Your Experian report does not label any entry as 'human trafficking,' so you cannot directly find a trafficking‑linked account; instead, identify any tradeline, inquiry, or public‑record entry that you never authorized and that could be tied to identity theft used by traffickers.

• Open your Experian report and compare each account name, address, and date of opening to your personal records.
• Mark any credit card, loan, or medical account you never opened.
• Highlight inquiries from lenders you never applied to.
• Note public‑record entries (e.g., bankruptcies, liens) you did not initiate.
• Gather supporting documents - ID theft reports, police report, or human trafficking case number - to prove the entries are fraudulent.

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• Police report that names the trafficking incident, lists the agency, and includes the human trafficking case number.
• Official human trafficking case number from the district attorney's office or court docket, showing the case is filed.
• Medical or mental‑health records that document injuries or trauma linked to human trafficking.
• Certified intake form or discharge paperwork from a recognized shelter or victim‑assistance program confirming you were a trafficking victim.
• Sworn affidavit from a licensed attorney or an accredited anti‑trafficking organization affirming your victim status.

Contact the law‑enforcement agency that handled your situation and ask for the official police report and the human trafficking case number; you'll need to provide your name, date of birth, and a brief description of the incident, and you can usually request the documents through the agency's online portal or non‑emergency phone line.

If the report is not released immediately, submit a public‑records request or work with a victim‑advocacy group (see FBI victim assistance resources) to obtain a copy that clearly lists 'human trafficking' and the case number, then attach that evidence to the Experian dispute and move on to the identity‑theft pathway.

Use Experian's identity theft pathway by filing an identity‑theft dispute that references your human trafficking case number.

1. Log in to your Experian account and go to the Experian Identity Theft Center.
2. Select 'Report Identity Theft' and choose the account you linked to human trafficking in the previous step.
3. Upload the police report or human trafficking case number along with the five supporting documents you gathered.
4. Submit the dispute, record the reference number, and let Experian lock the file and investigate.
5. Track the case status in your Experian portal; a decision should arrive within 30 days.

Upload your dispute through Experian's online portal, choose the 'Identity Theft' option, and attach every piece of evidence you gathered earlier.

1. Visit the Experian online dispute portal and sign in.
2. Click 'Start a new dispute' and select 'Identity Theft' as the dispute type (there is no separate trafficking category).
3. Enter the exact account numbers and dates that appear on your Experian report.
4. Attach the police report, human trafficking case number, and any supporting documents (e.g., FTC Identity Theft Report, medical records).
5. Write a brief description: 'Fraudulent account opened after I was forced into human trafficking; request removal per Identity Theft Act.'
6. Submit and save the confirmation number for your records.

After the online submission, proceed to the certified‑mail step to create a paper trail and ensure Experian receives a hard‑copy copy of the same evidence.

Send a certified mail dispute with copies and return receipt by mailing a cover letter and all supporting evidence to Experian's dispute department. Reference the exact wording in your Experian report, describe the human trafficking incident, and list the police report or human trafficking case number you gathered in earlier steps; attach clear photocopies of each document and sign the letter.

Take the envelope to the post office, request Certified Mail with a Return Receipt, and ask the clerk to provide the tracking number on the receipt. Keep the receipt and a paper copy of the tracking number in a safe place; you will need this proof when you move to the online dispute submission in the next section. For a quick guide on Certified Mail, see USPS Certified Mail instructions.

If you don't have a police report or human trafficking case number, you can still dispute the entry by submitting a statement that explains the missing report and attaching other credible proof.

Use any official documentation that ties you to a trafficking victim, such as a victim‑services letter, medical or mental‑health records, shelter intake forms, a sworn affidavit, or a court summons related to the trafficking incident. Each item should be clearly labeled and dated so Experian can match it to the disputed entry.

When you start the Experian identity‑theft pathway, upload the collected documents, include a brief note that a police report is unavailable, and proceed to the online dispute submission. After this step, you'll move on to sending a certified‑mail copy of the same package for added protection.

When Experian refuses to delete the human trafficking entry, immediately file a complaint with the Consumer Financial Protection Bureau and your state consumer‑protection agency.

• Gather the original dispute ID, the Experian report showing the entry, any police report or human trafficking case number, and all supporting documents.
• Go to the CFPB online complaint portal, select 'Credit reporting' → 'Experian,' and paste the dispute ID in the description; upload copies of the evidence.
• Keep the CFPB confirmation number; it triggers an automatic FCRA investigation and forces Experian to respond within 15 days.
• Locate your state's consumer‑protection office (search '[your state] Attorney General consumer complaint'); use its online form or mail a letter that mirrors the CFPB complaint, including the same evidence and a request for state‑level enforcement.
• Request a copy of the investigation results from both agencies and note any deadlines for further action, such as filing a lawsuit if removal still fails.
• Continue monitoring your Experian report; if the entry reappears, repeat the CFPB and state complaints process with updated evidence.

After the Experian report shows your human trafficking dispute cleared, rebuild your credit and lock in ongoing monitoring with these actions:

• Open a secured credit card or credit‑builder loan, use it responsibly, and let the account age improve the Experian report.
• Become an authorized user on a trusted family member's account to gain positive payment history quickly.
• Enroll in Experian's free credit monitoring service; set alerts for new inquiries, accounts, or changes tied to your file.
• Subscribe to an identity‑theft protection plan that includes dark‑web scans and daily Experian report checks.
• Review your Experian report monthly for inaccuracies; dispute any new false entries with the same documentation (police report or human trafficking case number) you used before.