TransUnion Dispute: Online, Mail and Phone

You can file a TransUnion dispute yourself, for free, online through the TransUnion Service Center, by mail to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000, or by phone at 800-916-8800. The investigation can take up to 45 days, and TransUnion must correct or delete information that’s inaccurate, incomplete or can’t be verified.

Below is what the TransUnion dispute process looks like, and why some people have a credit repair company handle their disputes instead. Each bureau keeps its own file, and our guide to disputing items on your credit report covers all three.

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How Do I File a Dispute With TransUnion?

You file a TransUnion dispute by finding the errors on your report and sending TransUnion your dispute with copies of your proof.

1. Get your free TransUnion report at AnnualCreditReport.com.
2. List each item you believe is wrong and why.
3. File online, by mail or by phone.
4. Send copies, not originals, of your proof, and keep a record of everything you send.

How Do I Dispute My TransUnion Report Online?

You dispute your TransUnion report online through the TransUnion Service Center, and TransUnion says the account and the dispute are both free. Log in on TransUnion’s credit disputes page, choose the items you’re disputing, add your documents and submit. Some personal information changes need documents sent by mail, and an inquiry you don’t recognize can’t be handled online (see the hard inquiry section below).

What Is TransUnion’s Dispute Address?

TransUnion’s dispute address is TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000, per its dispute by mail or phone page as of October 2026. Include your name, date of birth, address and Social Security number, the company and partial account number for each item, and why it’s wrong. The FTC suggests certified mail with a return receipt, and our guide on how to write a credit dispute letter shows how to lay one out.

What Is TransUnion’s Phone Number for Disputes?

TransUnion’s phone number for disputes is 800-916-8800, which reaches its Consumer Relations team. As of October 2026, TransUnion lists its hours as 8 a.m. to 10 p.m. Eastern time Monday through Friday and 8 a.m. to 5 p.m. Eastern time Saturday and Sunday. Have your report in front of you, and file online or by mail if you need to send documents.

How Long Does a TransUnion Dispute Take?

A TransUnion dispute investigation can take up to 45 days. Under the Fair Credit Reporting Act’s dispute procedure, TransUnion checks with the company that reported the item, then sends you a summary of the results and, if anything changed, a revised copy of your report.

How Do I Check My TransUnion Dispute Status and Results?

You check your TransUnion dispute status by logging in to the TransUnion Service Center, and TransUnion emails you updates if it has your email address. If an item is inaccurate, incomplete or can’t be verified, TransUnion must correct or delete it. If the company that reported it confirms it’s accurate, it stays.

How Do I Dispute a Hard Inquiry With TransUnion?

To dispute a TransUnion hard inquiry you don’t recognize, TransUnion recommends contacting the company that made it first and asking why. If someone applied in your name, ask that company to write to TransUnion at the dispute address asking that the inquiry be deleted, or mail TransUnion your proof of fraud yourself, since there isn’t a way to do this online. An inquiry from an application you made is accurate, and TransUnion says hard inquiries can remain on your report for up to two years. Our guide to inquiries on your credit report explains how they work.

What If TransUnion Verifies the Item or Stops the Investigation?

If TransUnion verifies the item, the company that reported it said it’s correct, so it stays. You can dispute again with new documents, contact that company directly, add a statement of 100 words or less to your file, or file a complaint with the Consumer Financial Protection Bureau. A bureau can also stop investigating a dispute it decides is frivolous or irrelevant, but it must tell you why, and our guide to your credit report rights explains your options. If you think a bureau or a creditor isn’t following the law, consider talking with a consumer protection attorney.

Why Use a Credit Repair Company Instead of Disputing Yourself?

Everything above is something you have the right to do yourself, for free. Federal law lets you dispute inaccurate information directly with the credit bureaus, and a credit repair company can’t do anything in a dispute that you can’t do on your own. No one, including a credit repair company, has the right to have accurate, current and verifiable information removed from your report.

What a company gives you is time, organization and follow-through. One dispute with one bureau is manageable. But errors often show up on more than one report, each bureau and each creditor responds on its own timeline, and keeping track of letters, documents, deadlines and replies across all three bureaus takes steady work. Some people would also rather have someone experienced read their reports with them.

That’s the work a credit repair company like Credit Saint takes on. When you work with us, our team:

• Reviews your credit history and identifies the items you believe are inaccurate
• Sends challenges to your creditors and all three credit bureaus on your behalf
• Gives you an online account page where you can watch progress

About Credit Saint: 350,000+ people helped and 4.8★ from 16,000+ Google reviews. Credit service companies cannot promise a result or credit score increase. If you’d like a team to handle the disputes with you, start a free credit review.

Frequently Asked Questions

The Bottom Line

You can dispute TransUnion errors yourself, for free, online, by mail or by phone. If you’d rather not manage disputes across all three bureaus on your own, a credit repair company can take on that work with you.