What Can I Do If I Don’t Agree with My Dispute Results?

Blog Post01/28/2019
Credit Advice
What Can I Do If I Don’t Agree with My Dispute Results?

When you find an inaccuracy on your credit report and dispute it with us, TransUnion will start an investigation. We send the disputed information to the lender to investigate  it, and they have 30 days to respond. If the lender verifies the information is accurate, it will continue to show on your credit report. If you still believe the item or account is inaccurate, you can follow the steps below.

Steps You Can Take if You Disagree with Your Dispute Results

  •  Contact the lender that is reporting the inaccurate information directly
  • Initiate a Consumer Financial Protection Bureau (CFPB) Portal complaint (https://consumerfinance.gov/complaint)
  • Contact your state's attorney general
  • Add a consumer statement to your credit report (100 words or less), detailing why you think the information is incorrect
  • File a repeat dispute with additional supporting documentation

A consumer statement is your explanation of why you disagree with a certain item on your credit report. Any creditor who pulls your credit report will be able to see your consumer statement. Please note, if you include medical information in your consumer statement, you are allowing TransUnion to include that in any credit report we issue on your behalf.

You can add a consumer statement online. First, log in or create an account. Click the “New Investigation” tab, then scroll down to the “Consumer Statement” section to add your statement.

You can also mail your consumer statement to P.O. Box 2000, Chester, PA 19016. You must include your name, address, Social Security number and the TransUnion File Number located in the upper right of your TransUnion Personal Credit Report.


It’s important to check your credit reports yearly to make sure there are no mistakes. If you find something inaccurate, you can dispute it online.

Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit transunion.com. This site is governed by the TransUnion Interactive privacy policy located here.

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

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