How Do I Dispute a Transunion Credit Report?

Your TransUnion credit report holds valuable information about your credit history. If you believe there are mistakes on your TransUnion credit report, follow these steps to file a dispute.

TransUnion is an American credit reporting agency for individuals and businesses. The organization collects credit information on individuals across the globe. Consumers can use TransUnion to view their credit score and credit reports. The company was founded in 1968 and is now considered one of "the big three" reporting agencies, along with Equifax Experian.

If there is something incorrect on your credit report, you can file a dispute with TransUnion. Mistakes on your credit report can cause major problems for you when you try to apply for credit cards and loans, mortgages, and more. Make sure to contact TransUnion as soon as possible about the dispute as it may take some time to resolve it and will take some time for your credit report to be updated. Keep reading for step-by-step instructions on how to dispute a TransUnion credit report.

File a Dispute Online with TransUnion

  1. Go to

  2. Sign in to your TransUnion account with your username and password.

  3. Follow the prompted instructions to file an online dispute. Note that you will need to have on hand your:

    • Full name

    • Current address

    • Date of birth

    • Social Insurance Number

    • Telephone number

    • Reason for your dispute

    • Documentation to support your dispute

  4. TransUnion will initiate an investigation and contact the organization that is reporting the incorrect information. The client is sent a file of the results when the investigation is complete.

File a Dispute by Calling into TransUnion Customer Service

You can call into the TransUnion customer service line to get helping to file a claim. Note that you will have to provide your contact details to confirm your identity. Ask for the customer service agent to send you an email confirming the dispute has been opened. It can take up to 30 days before TransUnion has a response for you.

File a Dispute in the Mail with TransUnion

You can mail in your dispute to TransUnion. Send a letter to TransUnion with the following information your full name, current address, date of birth, social insurance number, telephone number, the reason for your dispute, and any documentation to support your dispute. Be as specific as possible in the details in order to ensure a quick review. For example, if you're disputing balancing, name the company, the account numbers, and the dates.

Send the letter to:

TransUnion Consumer Solutions

PO Box 2000

Chester, PA 19016-2000

Note that it can take up to 30 days to process your request after TransUnion receives your letter. You will be notified by mail or by telephone when TransUnion is done investigating your dispute.

Additional Notes

TransUnion will provide the consumer with notes and details of the investigation. Investigations typically take 30 days. If the company did not respond, TransUnion will remove the information from your file, and send the company a final notice of the action that was taken. It's generally recommended you do not file for any form of credit while the investigation is ongoing.

How Do I Dispute a Transunion Credit Report?

Why Did GetHuman Write "How Do I Dispute a Transunion Credit Report?"?

After thousands of TransUnion customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Dispute a Transunion Credit Report? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting TransUnion if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for TransUnion Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like TransUnion in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Dispute a Transunion Credit Report? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


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