How to Send a Dispute Correspondence to TransUnion

Your credit report tells your financial story to creditors deciding whether to lend you money, and---more and more---it may even be used by a potential employer deciding whether to hire you. With so much at stake, it is important to stay on top of your credit report and be sure that all the information on it is accurate.

TransUnion is one of three credit bureaus who record the information provided by your creditors and generate your credit report. From time to time, there may be an error in your report. Fortunately, you can dispute anything you feel is incorrect, and there are several ways to do so.

Instructions

Telephone

1

Call TransUnion Customer Service toll free at 800-916-8800 and choose "Dispute item" from the automated system. You will be transferred to a customer service representative.

2

Record the date, time and name of the representative with whom you are disputing the item for your records.

3

Provide the representative with the details listed under the "Things You'll Need" section in this article when prompted. The representative will assist you in filing your dispute. You will receive notification via First Class mail of the results of TransUnion's investigation--usually within 30 to 45 days.

Online

4

Launch the "TransUnion: Submit a Dispute" Web page and click "Online."

5

Click "First Time? Click Here." Or click "Returning? Click Here" if you already have a TransUnion login.

6

Enter the information listed under the "Things You'll Need" section of this article as prompted on the online form. Click "Next" to proceed through each screen and click "Submit" when finished.

7

Print or save the completed form for your records. You will receive notification via e-mail of the results of TransUnion's investigation--usually within 30 to 45 days.

Mail

8

Launch the "TransUnion: Submit a Dispute" Web page and click "Mail."

9

Download and print the "TransUnion Request for Investigation" form.

10

Complete and sign the form.

11

Scan or copy the completed, signed form and keep the copy for your records. You will receive notification via First Class mail of the results of TransUnion's investigation--usually within 30 to 45 days.