Transunion Credit Report Dispute Process

How to initiate a credit report dispute

Have you spotted an error on your credit report? If you have found any inaccurate or fraudulent information on your credit report, you need to contact your creditors and the credit reporting companies to have the records removed. First, you should try to contact the creditors who may have reported the inaccuracy to see if they can correct the error (their contact information is on your credit report or monthly statements). If you can't get the problem solved with the creditor, then contact the credit reporting companies directly, either online or by mail, to dispute the record. Mailing addresses and Web addresses for the credit reporting companies are listed on the back page of this brochure. When disputing an inaccuracy by mail, you can also attach copies of your credit report or other documents that support your claim. Keep copies of your letters, documents and postal receipts for future reference.

Be sure to include in your letter:
Your full name
Your complete mailing address
Your date of birth
Your Social Security number
The name and account number of the creditor and item in question
The reason for your disagreement with the disputed item--be specific
Your signature

Sending this letter doesn't guarantee that changes will be made, but it does ensure that your claim will be investigated. By law, the credit reporting companies have 30 days to investigate and reply to your letter.

Our goal is to maintain complete and accurate information on your TransUnion credit report. If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request us to investigate the data and correct any discrepancies. Only inaccurate information may be removed from your credit report; negative information that is accurate will stay on your credit report as long as governing laws allow.