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.