How to Dispute an Inaccurate Transunion Report

Over the course of a consumer's credit history, irregularities and erroneous information will arise. Having negative account status inclusions, or what is known in legal and credit reporting circles as "trade items", is inevitable due to the large volume of credit card account holders and revolving credit providers. Should you find an inaccuracy being reported by the credit bureau TransUnion, the mistake can be removed.

Instructions

1

Order all your credit reports. Go to Annual Credit Report.com and order all three credit reports from TransUnion, Experian, and Equifax. These reports are free of charge and can be ordered once per year. Review each and cross-reference to see if the inaccuracy is appearing on other credit bureau's reports.

2

Gather all pertinent financial documents. Compile your credit card statements and bank statements and any receipts reflecting the trade item is inaccurate.

3

File a dispute with TransUnion. Visit TransUnion's website and navigate to the "Submit a Dispute" page. Select an option for filing a dispute: by phone, online, or by mail. Choose the mail dispute method to create a documented paper trail.

4

Mail the dispute form. Select either United States or Puerto Rico "Request for Investigation form". Download the PDF, complete it and mail it to: TransUnion Credit Report Dispute, P.O. Box 2000, Chester, PA 19022. Follow up by phone within 20 to 30 days at (800) 916-8800 to confirm receipt of your dispute.

5

Wait for a response. TransUnion will respond within 45 days by mail once your dispute is received, according to its website. Under federal law, if the trade item cannot be verified as accurate, it must be removed.