Public Records

Important information about public record item(s) on TransUnion Credit Reports

TransUnion reports public record items from federal bankruptcy courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports.

For bankruptcy public records collected through November 30, 2018, TransUnion obtained information about your bankruptcy from third-party vendor, LexisNexis. LexisNexis may be contacted using the information provided below.

LexisNexis Risk Data Management Inc.
LexisNexis Consumer Center
P. O. Box 105615
Atlanta, GA 30348-5108
https://transunionconsumers.lexisnexis.com/

For bankruptcy public records collected after November 30, 2018, TransUnion obtained information about your bankruptcy from third-party vendor, G2 Risk Solutions. G2 Risk Solutions may be contacted using the information provided below.

Disputing Public Record Items on Your TransUnion Credit Report

Federal law allows you to dispute inaccurate information on your credit report. There is no fee for filing a dispute.

You may submit a dispute with TransUnion in one of three ways:

Online:

Mail:

Phone:

https://dispute.transunion.com

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016

By toll-free telephone number at 800-916-8800.

Customer service representatives are available Monday through Friday from 8 a.m. to 11 p.m. Eastern Time and Saturday through Sunday from 8 a.m. to 5 p.m. Eastern Time (excluding major holidays).

When you call in, have a copy of your TransUnion credit report to reference with the representative helping you.

If you believe your TransUnion credit report contains an inaccurate public record, when submitting your dispute, describe in detail each item you believe to be inaccurate and the reason you feel the item is incorrect. You can also submit documents by mail to support your dispute such as bankruptcy schedules and court orders or other court documents showing the current status and responsible parties of any public record you are disputing.

TransUnion may make changes to your credit report based solely on the documents and information you provide with your dispute. Otherwise, we will investigate your dispute by reviewing an electronic version of the public record made available by the public record source or by contacting the public record source itself. We then update our records based on our direct review of the electronic record—and provide you with the results of the investigation.

Once you submit your dispute to TransUnion, you will need to allow up to 30 to 45 days for the investigation of your dispute to be completed.

Additional Information

For more information about how to submit a dispute to TransUnion, please visit the Dispute Your Credit webpage.

Use our How to Read Your Credit Report tool to learn more about how bankruptcy public records may appear on your credit report.