TransUnion online dispute: full walkthrough

You can dispute an error with TransUnion online, by mail, or by phone. Online is quickest and gives you a confirmation. Mail gives you proof of delivery. The 30-day clock starts when TransUnion receives your dispute, whichever route you use.

Portals change their screens often. This guide describes the general flow and what to prepare. Follow what the TransUnion page asks for on the day you file.

What to have ready

• A current TransUnion credit report, so you can point to the exact item.
• Your own records that show the error: statements, payment confirmations, letters.
• Copies of any documents you plan to upload.
• Your personal details: name, address, date of birth, Social Security number.

Online

The official TransUnion dispute page is dispute.transunion.com.

The general steps are:

1. Open the dispute page and sign in or create the account the portal asks for.
2. Pull up your report and select the item you want to dispute.
3. Choose the reason that fits: not mine, wrong balance, wrong status, or similar.
4. Add a short explanation in plain words. Say what is wrong and what the correct information is.
5. Upload your supporting documents.
6. Read any terms shown before you submit.
7. Submit, and save the confirmation number or a screenshot of the confirmation page.

By mail

TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000

Send your letter with copies of your proof, by certified mail with a return receipt. See how to dispute by mail.

By phone

TransUnion lists 1-800-916-8800. A phone call can start a dispute, but you have no written record unless you also send a letter or confirm online. If you call, write down the date, time, and the name of the person you spoke to.

If the address on your report differs

Bureaus update their addresses and phone numbers. If the address or number printed on your own report differs from the one here, use the one on your report.

What happens next

TransUnion forwards your dispute to the furnisher and investigates. You get the results in writing. If TransUnion changed your report, you receive an updated copy. If it says the item is verified, see your dispute came back verified. Track the dates with the deadline calculator.

Sources

• TransUnion: dispute a credit report
• FTC: disputing errors on your credit reports
• Cornell LII: 15 U.S.C. 1681i (procedure in case of disputed accuracy)

Next steps

• Equifax online dispute: full walkthrough

  How to dispute an error with Equifax online or by mail: what to have ready, the general steps, what to write, and what happens after you submit.

• Experian online dispute: full walkthrough

  How to dispute an error with Experian online, by mail, or by phone: what to prepare, the general steps, how to word it, and what happens after you submit.

• What happens after you file a dispute: the 30-day timeline

  The credit dispute timeline under the FCRA: when the 30 days start, the 5-business-day notice to the furnisher, the possible 15-day extension, and the results.