When you dispute anything on your credit report, TransUnion will have 30 days to investigate the item’s accuracy.
If they cannot verify the item disputed is correct in that 30-day window, by law, the item must be removed from your report.
Here are a few tips you can use to increase the chances of getting TransUnion to remove negative information from your credit report.
There are three ways you can initiate a dispute with TransUnion.
Transunion Dispute Address
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19016
You can dispute items on your report with TransUnion by mailing them a dispute letter. You can make copies of your credit report and circle the accounts or late payments you want to dispute along with a dispute letter.
You mustn’t use a template online. TransUnion will know the letter is a template and will flag your account.
The dispute will still be filed, but the likelihood of having the item removed is greatly reduced. You should write your own letter.
It can be handwritten or typed. Here are some handwritten and typed sample dispute letters you can use as a guide.
You should send the letter by certified mail. TransUnion has 30 days from the date they receive your request to complete their investigation.
If they take longer than 30 days to complete the dispute process, you will have proof you can send to TransUnion or file a complaint with the CFPB (Consumer Protection Financial Bureau).
Because you are mailing in your dispute, TransUnion will mail you the investigation results by mail. You will need to allow 5-7 days after the 30-day window expires to receive the results. The total amount of time it takes from sending the dispute letter to TransUnion and receiving the results is 45 days.
Include the following in your dispute letter to TransUnion:
- First and Last Name
- Mailing Address
- Date of Birth
- Social Security Number
- Copy of your Drivers License
- Copy of a bank statement, utility bill, phone bill, or another type of bill with your name and address
- List the creditor name account number for each item you are disputing along with a brief reason of why you believe it’s inaccurate.
TransUnion Dispute Phone Number
Monday – Friday 8 a.m. – 11 p.m. Eastern Time
Press 3 during the first message, then dial 2 to be connected to a live agent.
You can also initiate a dispute with TransUnion by phone. Call the phone number above. Once you are connected to a live person, tell them you wish to dispute items on your credit report.
Make sure you have a list of all the accounts you wish to dispute. TransUnion will ask for the creditor or collection agency name and the amount owed.
You can dispute as many accounts as you want; there is no limit to the amount of account you can dispute at once.
Here are the different reasons you can use to dispute items with TransUnion:
- I do not recognize this account.
- The account is not mine.
- The balance on the account is not correct.
- This account was paid and should not be in collections.
- I was never late on this account.
TransUnion Online Dispute
The popular way of disputing TransUnion credit reports is online. TransUnion has an online dispute form you can enter all the accounts you wish to dispute.
You do not need to have a TransUnion credit report on hand, but you need to know the creditor’s account number and name.
You will have 6 options to choose from for each account you are disputing and another option to enter your own reason.
- This is not my account
- have never paid late
- This account is in bankruptcy
- This account is closed
- I have paid this account in full
- I paid this before it went to collection
or before it was charged off
- Other (please explain)
Because you are filing your TransUnion dispute online, you will get the investigation results much quicker. About 30 days after submitting your online dispute, TransUnion will email you the results.
If an account is not removed after the investigation, don’t give up. You can continue to dispute the item multiple times.
There is no difference in results when disputing by mail, phone, or online with TransUnion.
Either way works equally as good as the other; it is a matter of convenience to you.