How to Dispute Your TransUnion Credit Report

Use this guide to get errors and negative data that's outdated off your TransUnion credit report.
Bev O'Shea
By Bev O'Shea 
Edited by Kathy Hinson
How to Dispute Your TransUnion Credit Report

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When you want to access your free credit reports from all three major credit bureaus, you can go to a single website: Use to request the reports you're entitled to.

But if you find an error in any of your reports — for example, an incorrect account number or a payment mistakenly marked late — you need to deal individually with the bureau that issued it.

Each credit bureau assembles your report from information sent to it by lenders, credit card issuers, public agencies and sometimes landlords. Errors in reporting can shave points off your credit scores, so it’s worth your time to clean them up.

You can dispute errors in your TransUnion report online, by mail or by phone. However, TransUnion warns against disputing the same item through multiple channels, saying it’s likely to slow down an investigation, not speed it up.

What should I look for in my TransUnion credit report?

Monitoring your own credit can help ensure your information is accurate and up to date. It also can alert you to fraudulent activity, so you can act quickly to protect yourself.

Review the six main sections of your report:

  • Personal identifying information (name, birthdate, Social Security number, etc.).

  • Employer.

  • Account information.

  • Public records, such as bankruptcies.

  • Inquiries (when someone checked your credit).

  • Consumer statements, if you've ever submitted one.

A TransUnion spokesperson says the inquiry and account information sections are crucial because that’s typically where indications of fraudulent activity or identity theft show up. An address you don’t recognize can also be a tipoff that someone is opening accounts in your name but diverting the card to a different address. Other mistakes might just be human error: transposed numbers in an account, records belonging to someone with a similar name, a misspelling.

Note that most negative marks fall off your credit reports after seven years. If something too old to be reported still shows up, you can dispute that as well.

If you see mistakes, gather documentation supporting your case and file a dispute with TransUnion. The bureau has 30 business days to respond.

How to dispute your TransUnion report online

The vast majority of consumers, 75%, go online to file a dispute. The TransUnion online dispute portal looks like this:

TransUnion credit report dispute

If you do not already have a TransUnion account, you’ll need to create one and set a password. Once you’re signed in, you can choose "new investigation" and you’ll see your credit report.

Review the personal information and click to edit as needed, then review the accounts and click on the blue "request investigation" to initiate a dispute. Fill out the fields and provide additional information as needed.

Once you've marked everything you want updated or investigated, click the “Continue” button. You'll have an opportunity to upload any supporting documents. Finish filing your dispute by clicking “Submit.”

TransUnion will respond by email; you can also sign back into your account to check the progress of the dispute.

How to dispute your TransUnion report by mail

You can send disputes by mail to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000.

TransUnion recommends including the following in your dispute letter:

  • Your Social Security number and date of birth.

  • Your current address.

  • The company name and account number associated with the disputed item.

  • The reason for your dispute: It's not your account, you've paid the account, etc.

  • Corrections to personal information.

In your letter, explain which item(s) you think are incorrect and why. Send copies — not originals — of supporting documents. The bureau will respond by mail.

How to dispute your TransUnion credit report by phone

You can dispute by phone at 800-916-8800. Have a copy of your TransUnion credit report handy before calling this number; the representative will need the file number. The representative will tell you how to send supporting documents, if necessary. The bureau may respond by email or mail.

What happens next?

If TransUnion agrees with you, it will change the information in question on your credit report. It’s smart to check your report again to make sure the changes were made. Your response from the bureau will contain a link to the corrected report, or it will mail you a corrected copy.

However, if TransUnion confirms that it’s reporting the information given to it correctly, you might need to talk with the creditor or other source that’s sending the data. Ask it to correct the information it’s reporting to TransUnion.

It's wise to check whether the same incorrect information also appears on your credit reports from the other bureaus. If so, you'll need to file a dispute with Experian and a dispute with Equifax.

Next, get in the habit of checking your credit report frequently to keep up with new data. In between your free copies from, you can check your TransUnion credit report at NerdWallet as often as you like. Regularly monitoring your free report can give you an early warning of potentially score-damaging problems.