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Credit Disputes FAQs

Get answers to the most frequently asked questions.

How do I dispute an item on my credit report?
You have three ways to request an investigation of information on your TransUnion Credit Report:

Online:
Through the online dispute submission process at https://dispute.transunion.com.

Phone:
By toll-free telephone number at 800-916-8800. Customer service representatives are available Monday through Friday (excluding major holidays) from 8 am to 11 pm Eastern time. You should have a copy of your TransUnion Credit Report before calling this telephone number. The credit report will contain a File Identification Number (File Number) that will be needed by the representative helping you.

Mail:
By mailing your dispute request to:

TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19022

Please have the following information on hand to complete your dispute:
  • Your TransUnion file number
  • Social Security Number
  • Date of birth
  • Current address
  • Company name of the disputed item (from your credit report)
  • Account number of the disputed item (from your credit report)
  • Reason for your dispute (such as, it is not your account; you have paid the account; etc.)
  • Any corrections to your personal information (address, phone number, etc.)

At your request, TransUnion initiates an investigation of any credit information disputed by you. We recommend that you not apply for credit while a dispute is pending. Investigations are usually concluded within 30 days of the date we receive your request. If we cannot verify the disputed information within that timeframe, the disputed item is deleted from your credit report or updated as requested. At the conclusion of the investigation, you will be sent a summary of results by U.S. mail. However, if the disputed information is subsequently verified, the information may be reinserted into your file and you will be notified in writing within five business days.

If our investigation has not resolved your dispute, you may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every credit report we issue about you. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may also request a description of how we conducted the investigation.

Note: Before you ask us to investigate an item on your TransUnion Credit Report, we recommend you order your report at: https://disclosure.transunion.com.

Additional instructions on ordering by phone or by mail are also available on this website.

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How do I ask TransUnion to investigate information on my credit report? How do I check on my investigation request?
TransUnion initiates an investigation of any credit information disputed by you. We recommend that you do not apply for credit while a dispute is pending. Investigations are usually concluded within 30 days of the date we receive your request. If we cannot verify the disputed information within that time frame, the disputed item is deleted from your credit report or updated as requested. A summary of investigation results is sent to you by U.S. mail at the conclusion of the investigation, or online if the dispute was initiated online. However, if the disputed information is subsequently verified, the information may be reinserted into your file and you will be notified in writing within five business days.

If our investigation has not resolved your dispute, you may add a 100-word statement to your credit file. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to TransUnion including this information in every credit report we issue about you. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly. You may also request a description of how we conducted the investigation.

Note: Before you ask us to investigate an item on your TransUnion Credit Report, we recommend that you order a copy of your TransUnion Credit Report at https://disclosure.transunion.com.

Additional instructions on ordering by phone or by mail are also available on this website.

You have three ways to request an investigation of information on your TransUnion Credit Report:

Online:
The quickest way to dispute an inaccuracy on your credit report is online at https://dispute.transunion.com.

Phone:
By toll-free telephone number at 800-916-8800. Customer service representatives are available Monday through Friday (excluding major holidays) from 8 am to 11 pm Eastern time. You should have a copy of your TransUnion Credit Report before calling this telephone number. The report will contain a File Identification Number (File Number) that will be needed by the representative helping you.

Mail:
By mailing your dispute request to:

TransUnion LLC
P.O. Box 2000
Chester, PA 19022

Please have the following information on hand to complete your dispute:
  • Your TransUnion File Number
  • Social Security Number
  • Date of birth
  • Current address
  • Company name of the disputed item (from your credit report)
  • Account number of the disputed item (from your credit report)
  • Reason for your dispute (such as, it is not your account; you have paid the account; etc.)
  • Any corrections to your personal information (address, phone number, etc.)

You may check the status of your dispute online, or contact our Consumer Relations department at 800-916-8800, Monday through Friday 8 am through 11 pm Eastern time to check on the status of your dispute. You will be required to provide the file number listed on your credit report. If you submitted your investigation request at transunion.com, a file identification number will be included on the updated report or letter sent to you at the conclusion of our investigation.

Note: Before you ask us to investigate an item on your TransUnion Credit Report, we recommend you order your credit report at https://disclosure.transunion.com.

Additional instructions on ordering by phone or by mail are also available on this website.

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How do I update my address on my credit report?
To update your address, send your update request along with two of the following qualifying documents:
  • Drivers license
  • State ID card
  • Bank or credit union statement
  • Cancelled check
  • Government-issued ID card
  • Signed letter from homeless shelter
  • Stamped post office box receipt
  • Utility bills (water, gas, electric, or telephone)

Mail your documentation to TransUnion at:

TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

When providing proof of your current mailing address, please ensure that any bank statements, utility bills, cancelled checks, and letters from a homeless shelter are recent and not older than two months. All state-issued license and identification cards must be current and unexpired. P.O. Box receipts may not exceed more than one year in age. Please note that any electronic statements printed from a website cannot be accepted for proof of address.

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Why can't I dispute my credit score?
A risk model is a statistical tool used by some creditors to evaluate information associated with extending credit to a particular consumer. Risk is predicted by means of a scorecard, which calculates the numeric value, or score, for each credit applicant or account holder. The score is calculated as a result of data processing activities performed by TransUnion for a creditor after the credit report is assessed, based on statistical analysis.

A score is not part of your credit report, and is not calculated for all creditors. Scores are calculated only upon the request of a creditor inquiring on your credit report. Accompanying each score, we provide a list of the factors in the credit report that most significantly affected the calculation of the score.

As the information in your credit report changes, the score will change. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. Therefore, we are unable to accept a dispute regarding your credit score and cannot advise you on how to improve your score. We can, however, investigate the information on your TransUnion Credit Report if you believe it is inaccurate or incomplete.

Note: TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score. You can contact the creditor directly to discuss how your score was used.

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How does the dispute process work?
At your request, TransUnion initiates an investigation of any information disputed by you. We recommend that you do not apply for credit while a dispute is pending.

Our procedure for investigating disputed information is to contact, by mail, electronic means or telephone, the source of information. Each source is advised of your dispute and is requested to verify the accuracy and/or completeness of the information reported. For public record information, TransUnion or a third party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, the disputed information is updated accordingly. Changes are reflected on the summary of results that is sent to you at the conclusion of our investigation.

Investigations are usually concluded within 30 days of the date received. If the disputed item cannot be verified within that timeframe, it is deleted from your credit file. The results of the investigation will be sent to you by U.S. mail at the conclusion of the investigation, or online if the dispute was initiated online. However, if the disputed information is subsequently verified, it can be reinserted back into your file and you are notified in writing within five business days.

If our investigation does not resolve the dispute, you may add a 100-word explanatory statement to your file. At your request, TransUnion will assist you in preparing the statement. You may also request a description of how the investigation was conducted, including the name, address and telephone number of the source of information.

The quickest way to dispute an inaccuracy on your TransUnion Credit Report is online at https://dispute.transunion.com.

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What if I submit more than one dispute at the same time?
We will investigate all of the records in question during the same time period. At the conclusion of the investigation, you will receive a report reflecting all of the results. Please allow 5-7 business days following the completion of our investigation for mail delivery. Please note that if the dispute investigation was initiated online, you will be notified via email and can view the results of the investigation immediately.

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Why is my employment information incorrect?
What is listed in your TransUnion Credit Report as your last reported employment is actually the most recent employment information provided by credit grantors. Employment information is typically reported from applications for credit and therefore is not regularly updated. This information is generally not used by credit grantors or employers in making their decisions, but is typically used for demographic purposes.

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My family member is deceased. How do I note that on his/her credit report?
We recommend that you follow these steps to update a deceased person's credit report.

Step One:
Contact all creditors that the deceased person(s) did business with and request that they mark their files accordingly. Be sure to forward a copy of the death certificate, once you receive it.

Step Two:
Check with the Social Security Administration to ensure that they have updated their files and notified the credit reporting companies. Refer to the blue page of your local telephone directory for the address and phone number of the nearest Social Security office.

Step Three:
Forward a copy of the death certificate to all three credit reporting companies. Mail your
information to:

TransUnion LLC
P.O. Box 2000
Chester, PA 19022

Experian
P.O. Box 2002
Allen, TX 75013
888-397-3742

Equifax
P.O. Box 740260
Atlanta, GA 30374
800-685-1111

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The fastest and easiest way to dispute an inaccuracy on your TransUnion Credit Report is online, right now:
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