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Just because an error made its way onto your credit report doesn’t mean it has to stay there. However, each of the three credit reporting agencies (CRAs) –– Equifax, Experian, and TransUnion –– may have different information, so it’s important to monitor each of these credit reports separately and initiate a dispute with the CRA that is showing the error. Here’s how you can get started with your TransUnion dispute. 

A Few Basic Facts 

Headquartered in Chicago, TransUnion operates in more than 30 countries and territories worldwide and maintains the credit histories of more than 500 million consumers. In order to keep these credit histories updated, they rely on reporting from the creditors consumers they are directly working with (think credit card companies, mortgage lenders, etc.). They process a whopping 4.8 billion updates per month –– so you can imagine the chances some of this information wouldn’t be entirely accurate. 

That’s why it’s important to check your credit report regularly –– something you can now do weekly for free (through April 2021). Once you have your TransUnion credit report in hand, here are a few things to look at: 

  • Personal information: Check the spelling of your name and your Social Security number.
  • Account information: Make sure all accounts listed are ones you opened.
  • Payment history: Confirm on-time payments are being accurately reported as such.
  • Inquiries: Make sure any credit inquiries you see are ones you initiated and recognize.
  • Notes: Double check any notes (or consumer statements) and confirm they were added by you.

[Learn more about how to read your credit report.]

You’ve Spotted an Error: Now What?

There are a few ways you can go about fixing any errors you may find through a dispute. 


TransUnion has an online portal where you can start and track your dispute. Before you get started, be prepared to list the item(s) you are disputing, account numbers, creditor names, and the reason why you believe the information is inaccurate. If you have any supporting documents, gather those as well. Next, create an account and follow the steps here. 

By Mail

You can also initiate your TransUnion dispute by mail. They suggest including the following information: 

  • Your name 
  • Partial account number of the disputed item 
  • Current address
  • Your TransUnion file number (if you have one)
  • Social security number
  • Date of birth
  • Name of company that reported the item you’re disputing (as listed on your credit report)
  • Why you believe the information is inaccurate or incomplete
  • Any corrections that need to be made to your personal information (address, phone number, etc.)

Once you’ve compiled this information (or as much of it as possible), you can send it via standard or certified mail to: 

TransUnion Consumer Solutions
P.O Box 2000
Chester, PA 19016-2000

By Phone

If you’d rather speak to someone directly, you can initiate your TransUnion dispute by phone. Collect the same information as listed above, along with a copy of your TransUnion credit report (you will need a File Identification Number from this report), and call: (800) 916-8800.

Looking for an Easier Way to Dispute Your TransUnion Credit Report? 

If you’re overwhelmed by the thought of navigating the dispute process on your own, Upturn can help (for free!). 

  • Step 1: Sign up for a free account here. (Don’t worry, signing up does not impact your credit score.)
  • Step 2: Upturn will show you both open and closed accounts in your name. Review each item carefully.
  • Step 3: If you believe an account is not yours, or is being reported incorrectly, select “Dispute an Error” in the drop down menu towards the top of the screen.
  • Step 4: Check in for updates as Upturn handles your TransUnion dispute for you. 

Not only can Upturn help take all the guesswork out of submitting a TransUnion dispute, it will also offer other pointers on how to improve your credit score –– like lowering your credit utilization.

Why pay the price for inaccurate or incorrect information on your TransUnion credit report? Whether you handle the heavy lifting of your TransUnion dispute, or let Upturn do it for you, it could save you money (and headaches) in the long run.

[Take control of your finances. Get all the facts about credit scores and credit reports.]