How to Dispute a Credit Report with TransUnion

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A calculator and pen are sitting on top of a credit report.
A calculator and pen are sitting on top of a credit report. (Image: r0mu/iStock/Getty Images)

As required under the Fair Credit Reporting Act of 1993, TransUnion has a dispute process for investigating potential errors in your report. After reviewing and making a copy of your report, highlight the incorrect items, gather supporting evidence and file a dispute by postal mail, over the telephone or online.

Postal Mail Option

The Federal Trade Commission recommends the mail as the best option for filing a dispute. Download and print an investigation request from the TransUnion website. Enter your contact information in the first section. The second section allows you to identify up to four errors relating to inaccurate information and asks you to record additional errors on the back of the page if necessary. For each one, specify the creditor, provide your account number and use the check boxes to specify the error. Use the third section to correct your contact and employment information or to make additional comments. Mail the form via certified mail with a return receipt to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19022-2000.

Telephone Option

To dispute items in your credit report by telephone, call 1-800-916-8800 between 8 a.m. and 11 p.m. Monday through Friday. Select option 4 to speak with a representative. If you choose this option, write down the date and time of the call and get the representative’s name for your records.

Online Option

File a dispute online at dispute.transunion.com. After creating a new TransUnion account or logging into an existing account, enter information about your dispute, which is the same as for filing a dispute on paper. When you finish, mark the check box telling TransUnion to forward status updates to you by email and click send. You’ll then receive a confirmation email as well as status updates.

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