The McDowell Agency, Inc. is committed to abiding by the CFPB rule and helping and assisting with the victims of human trafficking.
Block Information in Your Background Report
The Fair Credit Reporting Act (FCRA) requires the following information from any person requesting a block of information on their background check:
I. Proof of Identity
A consumer who is a victim of trafficking is required to include “appropriate proof of identity” as part of their submission to a consumer reporting agency to request a block of adverse items of information that resulted from trafficking.
1. Your full name and any other/alias names that you have utilized, social security number and/or date of birth
2. Provide copies of government issued documents, such as a utility bill and/or other methods of verifying your identity
II. Victim Determination
Trafficking Documentation
Provide a Victim Determination statement, which is a document that contains a determination of human trafficking which has been made by:
1. A State, Federal or Tribal governmental entity
2. A non-governmental member of a human trafficking task force, including victim service providers affiliated with these entities and authorized by a State, Federal or Tribal government entity
3. A self-attestation by a consumer who identifies as a victim of human trafficking that is signed or certified by a State, Federal, or Tribal government entity, court of competent jurisdiction or an authorized representative of these entities
III. Identified Adverse Items of Information
These are documents that identify items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of trafficking in persons or sex trafficking.
These items 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.
IV. Where to Send Information
By mail:
The McDowell Agency, Inc.
1101 North Snelling Avenue, St. Paul, MN 55108
Attn: Administration
By email:
If you have any questions regarding the process or to check on the status of your request, please contact us at 877-644-3880 during our business hours on Monday through Friday between the hours of 8:00 AM to 4:30 CST.
