Credit Dispute Process

It's easy for you to initiate an investigation regarding information on your report that you believe is inaccurate. TransUnion is committed to providing accurate information and welcomes your help to ensure that your credit report is accurate and up-to-date. We have a 4-step process to facilitate dispute investigations so that resolutions are reached. Here's how the process works:

Step 1: You identify inaccurate information on your most recent TransUnion credit report.

Step 2: You select and complete the most convenient method (online, phone or mail) for you to contact TransUnion to initiate a dispute investigation.

Step 3: TransUnion contacts the data provider that reported the information and asks the data provider to verify the information in question. The source might have up to 45 days to verify whether the information is correct.

Step 4: TransUnion documents the outcome of the investigation and makes any necessary changes to your credit report. We'll notify you of the outcome of your dispute approximately three to five business days after the investigation is complete. If the dispute was initiated online, we will notify you via e-mail and you can view the results of the investigation immediately.

If you submit more than one dispute at the same time, we will investigate all of the records in question during the same time period. At the conclusion of the investigation, you'll receive a credit report reflecting all of the results.

If you disagree with the results of an investigation of your credit report, you have the right to add a 100-word consumer statement to your report that explains your side of the situation. Our customer service representatives are available to assist you in writing your statement. If you would like to contact the data provider directly, contact information is included on your TransUnion Credit Report.

A consumer statement is a personal statement that you may add to your credit report. It typically explains why a negative item is listed on your credit report. Creditors or lenders may review the consumer statement and take it into consideration when making their credit decisions. The statement remains on your credit report until you request that it be removed.

To add or remove a consumer statement on your credit report, send your consumer statement or removal request along with your name, address, and TransUnion File Identification Number (FIN) on your credit report to:

TransUnion Consumer Relations
P. O. Box 2000
Chester, PA 19022

If you would like assistance in writing your consumer statement, please call us toll-free at 1-800-916-8800, Monday through Friday, 8:00 a.m. - 8:00 p.m. ET, excluding major holidays. If you are a resident of Hawaii or Alaska, representatives are available to assist you Monday through Friday, 8:30 a.m. - 4:30 p.m. in your local time zone, excluding major holidays. If you already have a copy of your TransUnion credit report, be sure to have your TransUnion File Number available when you call.