To dispute a TransUnion credit report, file online through TransUnion’s dispute center at transunion.com/credit-disputes/dispute-your-credit, mail a dispute to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000, or call (800) 916-8800. Identify each wrong item, explain why it is wrong, and attach copies of your proof. TransUnion then generally has 30 days to investigate under federal law.
This guide walks through each channel, what to send, how to read the results, and what to do when TransUnion “verifies” something you know is wrong. For a full overview covering all three bureaus, see how to dispute credit report errors.
Before you dispute: get your TransUnion report
TransUnion keeps its own file, separate from Equifax and Experian, so work from a current copy of your TransUnion report. For every error, write down the company reporting it, the last digits of the account number, what the report says, what is actually true, and the document that proves it. If you have a TransUnion report or file number, have it ready.
Be specific. Under 15 U.S.C. § 1681i(a)(3), a bureau can stop investigating a dispute it reasonably finds frivolous or irrelevant, including one that does not give enough information to investigate.
How do you dispute TransUnion online?
The FTC points consumers to TransUnion’s dispute center at transunion.com/credit-disputes/dispute-your-credit to dispute online. You will need to sign in to TransUnion’s dispute service.
- Sign in or create a TransUnion account. Read the terms before you agree to them.
- Select each item you are disputing and choose the reason.
- Upload copies of your proof where the form allows it, and use any free-text field to explain the error plainly.
- Save your confirmation and track the status in your account.
Online is the fastest way to start. The trade-off is that preset reasons and short text fields can make it hard to explain a complicated error.
What is the TransUnion dispute address?
TransUnion’s own mail-or-phone dispute page lists this address for mailed disputes:
TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000
Experian’s guide to mailed disputes and the FTC list the same P.O. box in Chester. The FTC also links to a TransUnion dispute form (an investigation request) to send with your letter, but a clear letter works as well. See our guide to writing a credit report dispute letter.
Tips for mailing:
- Send copies, never originals.
- Use certified mail with a return receipt, so you can prove when TransUnion received your dispute. That date starts the legal clock.
- Keep a full copy of everything you sent.
What is the TransUnion dispute phone number?
TransUnion lists (800) 916-8800 for phone disputes, Monday through Friday 8 a.m. to 10 p.m. ET and 8 a.m. to 5 p.m. ET Saturday and Sunday. The CFPB’s company listing gives the same number as TransUnion’s direct contact line (choose option 2 for Spanish).
A phone dispute leaves the weakest record. Note the date, the agent’s name and your confirmation number, and follow up in writing.
What should you include in a TransUnion dispute?
The CFPB recommends that a written dispute include:
- Your full name, address and phone number
- Your report or dispute confirmation number, if you have one
- Each item you dispute, with the account number
- A short explanation of why each item is wrong
- The fix you want: deletion or a specific correction
- A copy of the report page with the error highlighted
- Copies of your supporting documents
Also include your date of birth, your Social Security number and addresses for the past two years, so TransUnion can match you to the right file. Experian’s guidance on mailed disputes, which covers all three bureaus, recommends these identifiers plus copies of a government-issued ID and a bill or statement showing your current address.
What documents should you attach?
Attach copies of whatever proves the error:
- Wrong balance or status: a paid-in-full or settlement letter, bank statements, cancelled checks
- Late payment you did not make: proof of the payment date
- Debt discharged in bankruptcy: the discharge order and the schedule listing the debt
- Account that is not yours: an FTC identity theft report from IdentityTheft.gov
- Someone else’s information in your file: ID and proof of address (this can signal a mixed credit file)
- Reported as deceased: proof that you are alive, such as a current ID (see falsely reported as deceased)
How long does TransUnion have to investigate?
The deadlines come from 15 U.S.C. § 1681i:
- Within 5 business days of receiving your dispute, TransUnion must notify the company that reported the information (the “furnisher”) and pass along all relevant information about your dispute.
- TransUnion must review and consider all relevant information you submit.
- TransUnion must finish within 30 days of receiving your dispute, or up to 45 days if you send more relevant information during the first 30. The extension does not apply if TransUnion finds the item inaccurate, incomplete or unverifiable within 30 days.
- Information that is inaccurate, incomplete or unverifiable must be promptly deleted or modified.
- Within 5 business days after finishing, TransUnion must send you written results, including a free revised report if anything changed.
If TransUnion reinserts an item it deleted, the furnisher must first certify that it is complete and accurate, and TransUnion must notify you in writing within five business days.
What do TransUnion dispute results mean?
The results letter will generally show that each disputed item was:
- Deleted: removed from your TransUnion report
- Updated or modified: changed in some way; compare it line by line, because an update may fix one detail and leave the real error
- Verified: the furnisher confirmed the information and it stays as reported
A “verified” result means the furnisher stood by the information. It is not a court finding that the item is accurate. The results notice must also tell you that you can ask how the investigation was done and that you can add a statement of dispute.
How do you add a statement of dispute to a TransUnion report?
If a dispute does not resolve the problem, § 1681i(b) gives you the right to file a brief statement explaining your side. The bureau may limit it to 100 words if it helps you write a clear summary. Under § 1681i(c), later reports must note that the item is disputed and include your statement or a summary of it.
You can make the request in writing to the dispute address above, through your online dispute account, or by phone. You can also ask TransUnion to notify anyone who received your report for employment in the past two years, or for any other purpose in the past six months, of a deletion or your statement (§ 1681i(d)). The FTC notes that the bureau may charge a fee to send a statement to past recipients.
What if TransUnion verifies an error?
- Ask how it was verified. TransUnion must give you a description of the reinvestigation procedure within 15 days of your request (§ 1681i(a)(7)).
- Dispute again with new proof. A repeat dispute with nothing new may be treated as frivolous. A dispute with new documents is a different dispute.
- Dispute directly with the furnisher in writing, by certified mail, at the address on your report or the address the furnisher designates for disputes.
- Add a statement of dispute.
- File a complaint with the CFPB.
- Talk to a lawyer before sending dispute after dispute. The deadline to sue keeps running.
What does the furnisher have to do?
When TransUnion forwards your dispute, the bank, lender or collector has its own duties under 15 U.S.C. § 1681s-2(b). It must investigate, review all relevant information TransUnion sends, report the results to TransUnion, report any inaccuracy to the other nationwide bureaus it reported to, and modify, delete or permanently block information that is inaccurate, incomplete or unverifiable. It must finish before TransUnion’s deadline.
These duties start when a bureau notifies the furnisher. A dispute sent only to the lender does not trigger the furnisher duties you can enforce in court, which is why disputing with TransUnion matters.
Can you sue TransUnion?
Yes, in the right case. The FCRA lets consumers sue a credit bureau that fails to follow reasonable procedures to assure maximum possible accuracy (§ 1681e(b)) or fails to conduct a reasonable reinvestigation (§ 1681i), including ignoring the documents you sent or reinserting deleted information without proper certification and notice.
For a negligent violation, you may recover actual damages (such as a credit denial, a higher rate or emotional distress) plus attorney’s fees and costs (§ 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages as the court allows, and attorney’s fees and costs (§ 1681n). The furnisher may be liable too under § 1681s-2(b).
The deadline is the earlier of two years after you discover the violation or five years after it happened (§ 1681p). For more on the bureau itself, see our TransUnion guide. If the problem is a rental screening report rather than a credit report, see TransUnion Rental Screening and how to dispute inaccurate tenant screening reports.
Get a free case review
If you sent TransUnion a documented dispute and the error stayed, came back, or cost you a loan, apartment or job, talk to an FCRA lawyer. Bring your TransUnion report, a copy of your dispute and TransUnion’s results letter. The case review is free, and we work on contingency: no fee unless we win.
Frequently asked questions
What is TransUnion's dispute mailing address?
TransUnion’s own mail-or-phone dispute page lists TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. Send copies, not originals, by certified mail with a return receipt.
What is the TransUnion dispute phone number?
TransUnion lists (800) 916-8800 for phone disputes, Monday through Friday 8 a.m. to 10 p.m. ET and 8 a.m. to 5 p.m. ET Saturday and Sunday. Follow up any phone dispute in writing.
How long does TransUnion have to investigate a dispute?
Generally 30 days from when TransUnion receives your dispute, or up to 45 days if you send more relevant information during the first 30 days (15 U.S.C. § 1681i(a)(1)). TransUnion must send you written results within five business days after it finishes.
Is a TransUnion rental screening report disputed the same way?
No. Tenant screening reports from TransUnion's rental screening business are a separate product. Ask the landlord which company supplied the report and dispute with that company. See our guide to disputing tenant screening reports.
Can I sue TransUnion?
Yes, in the right case. Trans Union LLC is a consumer reporting agency under the FCRA. You may be able to sue if it reported inaccurate information without reasonable procedures to assure accuracy (§ 1681e(b)) or failed to reasonably reinvestigate your dispute (§ 1681i). A claim generally must be filed within two years after you discover the violation and no more than five years after it happened (§ 1681p).
Sources
- TransUnion: Dispute your credit report by mail or phone
- CFPB, TransUnion company listing
- CFPB, How do I dispute an error on my credit report?
- TransUnion: Dispute center
- FTC, Disputing Errors on Your Credit Reports
- Experian, How to dispute credit report errors by mail (lists all three bureaus)
- 15 U.S.C. § 1681i, procedure in case of disputed accuracy (Cornell LII)
- 15 U.S.C. § 1681s-2, responsibilities of furnishers (Cornell LII)
- 15 U.S.C. § 1681e, accuracy of reports (Cornell LII)
- 15 U.S.C. § 1681n, willful noncompliance (Cornell LII)
- 15 U.S.C. § 1681o, negligent noncompliance (Cornell LII)
- 15 U.S.C. § 1681p, time limit to sue (Cornell LII)
Updated November 2026. This page is general information, not legal advice.