Disputes and Fraud
When you’re a victim of fraud, it can be surprising and frustrating. We’re here to help you through it. Disputing fraudulent information is one of the steps you can take to respond to identity theft.
- First, secure your information by adding a credit freeze and/or fraud alert to your report
- Then report the fraud to the FTC at identitytheft.gov and your local law enforcement
- You’ll receive documentation from the FTC and law enforcement after reporting the fraud; that paperwork can help you through the dispute process
What happens after I report fraud to the FTC?
Identity theft is a serious crime. After you report the fraud, you’ll likely receive documentation from both the FTC and local law enforcement.
Keep these documents. When you contact TransUnion to dispute the fraudulent information, submitting them will help our agents complete the dispute process. TransUnion can block fraudulent information from your credit report if you send us a valid identity theft report, proof of your identity and a letter that identifies the fraudulent information on your credit report.
What else can I do to protect myself from fraud?
- Review your credit report for unusual activity with free weekly credit reports at annualcreditreport.com
- Use secure passwords and be aware of phishing phone calls, text messages and emails
- Protect your credit report with a credit freeze and/or fraud alert
- Learn more about data breach protection and safeguards you can put in place
What You Need to Know:
The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.
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