How to Contact Transunion Credit Reporting

TransUnion is a credit reporting agency founded in 1968. As of 2009, it maintains credit histories on about 500 million consumers worldwide, according to the company website. Credit histories shape your credit score. Credit scores impact whether you will be approved for a loan, a housing rental or auto purchase. If you feel that something is included on your TransUnion credit report due to an error in accurate information, you should submit a dispute to TransUnion.

If you are unsatisfied with the result of your dispute, you can attach a consumer statement to your credit report explaining the negative item you disputed.

Instructions

Submit Your Dispute

1

Obtain a copy of your TransUnion credit report and determine which negative items are included in error. Federal law requires credit reporting agencies to supply you with one free copy of your credit report each year. You can obtain your free report through annualcreditreport.com. Find a link in Resources.

2

Make sure you have your TransUnion file number, Social Security number, current address and date of birth as well as the company name and account number of the disputed item.

3

Submit your dispute online (find a link in the Resources section). You can also submit your dispute by phone by calling (800) 916-8800. To submit your dispute by mail, print the form found through the link in Resources and mail it to TransUnion to

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

Check Dispute Status

4

Check online at TransUnion to see the status of your dispute.

5

You may wait up to 45 days before you hear from TransUnion. Once you submit a dispute, the company that reported the negative item has 45 days to respond to TransUnion's request for information.

6

Receive notification either by email or in writing from TransUnion deciding whether the disputed item should be removed from your credit report.

Submit a Consumer Statement

7

Write your 100-word consumer statement that explains why a particular negative item is listed on your credit report.

If you desire assistance in writing your statement, call (800) 916-8800 to speak with a TransUnion customer service representative.

8

Submit your customer statement to:

TransUnion Consumer Relations
P. O. Box 2000
Chester, PA 19022

9

Remove your consumer statement whenever you desire. It will remain on your TransUnion credit report until you request it be taken off.