How do I remove fraudulent information from my credit report?

TransUnion can block fraudulent information from your credit report if you send us a valid identity theft report. Examples of a valid identity theft report include: - A signed and official report filed with a federal, state or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information - An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov - A U.S. Postal Inspection Service Report Please ensure that any identity theft report you provide also includes all of the following: - Your proof of identity - A certification that you were a victim of identity theft and the specific dates as to when the fraud occurred - A list of all items (names, account numbers, etc.) being reported on your credit report inaccurately due to fraud You can start this process online by submitting a dispute through the TransUnion Service Center. When you upload documents online, there is a box you can check to note the documents are related to fraud. Through the online process, you don’t need to submit additional proof of identity documents. You can also send us a request by mail or phone. If you submit by mail, you will need to include a letter that identifies the fraudulent information on your credit report and proof of your identity. TransUnion will review your information and, if acceptable, will block the applicable items within four business days of receipt.

What else can I do to protect myself from fraud?

- Review your credit report for unusual activity with free weekly credit reports from 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

Disputes and Fraud

When you’re a victim of fraud, it can be surprising and frustrating. Disputing fraudulent information is one of the steps you can take to respond to identity theft.

Responding to Fraud on Your Credit Report

Secure Your Credit Report

First, secure your information by adding a credit freeze and/or fraud alert to your credit report

Submit a Report

Then report the fraud to the FTC at identitytheft.gov and your local law enforcement

Keep Documentation

You’ll receive documentation from the FTC and law enforcement after reporting the fraud; that paperwork can help you through the dispute process

Common Questions About Fraud On Your Credit Report

Identity theft is a serious crime. After you report the fraud, you may receive documentation from both the FTC and local law enforcement.

Keep these documents. When you contact TransUnion^® to dispute 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. Examples of a valid identity theft report include:

A signed and official report filed with a federal, state or local law enforcement agency, the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information
An electronic Identity Theft Report filed online with the FTC at www.identitytheft.gov
A U.S. Postal Inspection Service Report

Please ensure that any identity theft report you provide also includes all of the following:

Your proof of identity
A certification that you were a victim of identity theft and the specific dates as to when the fraud occurred
A list of all items (names, account numbers, etc.) being reported on your credit report inaccurately due to fraud

You can start this process online by submitting a dispute through the TransUnion Service Center. When you upload documents online, there is a box you can check to note the documents are related to fraud. Through the online process, you don’t need to submit additional proof of identity documents.

You can also send us a request by mail or phone. If you submit by mail, you will need to include a letter that identifies the fraudulent information on your credit report and proof of your identity.

TransUnion will review your information and, if acceptable, will block the applicable items within four business days of receipt.

Review your credit report for unusual activity with free weekly credit reports from 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

Start the Dispute Process

Here's how to file a dispute online with TransUnion. It's free to create an online account and free to file. You can also dispute for free by mail or phone.

Create Free Account

Create a free TransUnion Service Center account to get started. Log in if you already have one.

Create an account Log in to existing account

Determine What to Dispute

Review your credit report and see what you want to dispute.

Learn what you can dispute

Gather Supporting Documents

You can add supporting documents to your disputes. This can help with your request.

Learn more in our blog post

Submit and Track Online

Follow the steps in the TransUnion Service Center. After you submit, you can check its status there too.

Log in to check status

Disputes and Fraud