TransUnion
How to dispute your TransUnion credit report
TransUnion is one of the three nationwide credit bureaus. Lenders may pull any one of the three, and each bureau investigates disputes independently, so check and dispute your TransUnion report on its own.
Pick the item you want to dispute
- How to dispute a collection account with TransUnion
- How to dispute a late payment with TransUnion
- How to dispute a charge-off with TransUnion
- How to dispute a hard inquiry with TransUnion
- How to dispute a medical collection with TransUnion
TransUnion dispute mailing address
TransUnion Consumer SolutionsP.O. Box 2000Chester, PA 19016-2000Send by certified mail with return receipt so you have dated proof. You can also dispute through TransUnion’s online dispute center. Confirm the current address on TransUnion’s website before mailing.
TransUnion dispute timeline
- Day 0: The bureau receives your dispute. Send by certified mail with return receipt, or file online, and keep proof of the date.
- Within 5 business days: The bureau must notify the company that reported the item and pass along the relevant information you provided.
- Within 30 days: The bureau must complete its investigation. This can extend up to 15 more days (45 total) in some cases, such as when you send additional information during the investigation.
- Within 5 business days after: The bureau must send you the written results. If the item was changed or deleted, you get a free updated report.
Organize your TransUnion dispute
Upload your TransUnion report, choose what you believe is inaccurate, and keep every letter, mailing date, and response in one place.
You choose every item and approve every letter. Results are not guaranteed.
General educational information, not legal advice. Accurate information can legally remain on your report.