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When you find an inaccuracy on your credit report and dispute it with us, TransUnion will start an investigation. If we send the disputed information to the lender to investigate it, they have 30 days to respond. If the lender verifies the information is already accurate and doesn't need to be updated, that information will continue to show on your credit report. If you still believe the item or account is inaccurate, you still have options.
Steps you can take if you disagree with your credit report dispute results
If you disagree with the results of your credit report dispute, there are several steps you can take:
Contact the lender directly
If the disputed item involves information supplied by a specific lender, you can contact the lender directly with any questions or information related to your case. Provide them with any evidence or documentation that supports your dispute and request they correct the inaccurate information. You can find the lender’s contact information on your credit report.
Submit a repeat dispute
If you’ve found new or additional documentation to support your dispute, you can resubmit your dispute with the new information included. If you're disputing online, you can upload your supporting documents for an account dispute after the step where you provide your dispute reasons and comments.
Add a consumer statement to your credit report
Every person has a unique financial story, and a consumer statement is an opportunity to tell yours. You can add this kind of note to your credit report to explain your financial situation to anyone who views your credit report. Be cautious with sharing any personal or medical information because anyone who views your credit report will be able to see it. You can select from multiple pre-worded options or write your own.
A consumer statement is your opportunity to be heard. If you think it’s the right option for you, simply follow these instructions:
- Go to our online Service Center
- Create an account or sign in (If you recently added a credit freeze, fraud alert or disputed something, you should already have an account)
- On the home page or the site navigation tabs, choose the option for "Dispute" to access your Dispute Center
- From the Dispute Center main page, click "Manage My Statement”
- Add or update your statement. You can choose one of the consumer statement options provided, or write your own statement in 100 words or less (200 or less in Maine)
- Add an expiration date for your statement (optional)
- Click “Save & Continue”
If you later decide you want to add to or delete your consumer statement, come back to the online dispute center. If you already have a dispute in process, you can still update your consumer statement online.
Contact relevant government agencies
If you’re still not getting the resolution you’re hoping for, you can submit a complaint to the Consumer Financial Protection Bureau (CFPB). The CFPB offers additional other suggestions, which includes contacting your state attorney general.
The specific steps you take may vary depending on your personal situation. It’s important that your credit report is an accurate reflection of your history with credit. Both before and after you've submitted your dispute, be sure to save supporting documents and archive correspondence with lenders in case you need to reference them later. You can check on the status of your dispute and see a history of previous disputes with TransUnion in the online Service Center.
Going forward, be sure to continue to check your credit reports regularly to make sure everything is accurate and up-to-date.
