If you've looked at your TransUnion credit report and find that there is an item that appears to be incorrect, consider disputing that item. This credit bureau makes it simple to report any information that appears to be incorrect through a number of methods.
Steps you would take to dispute the item:
Step #1: Identify Inaccurate Information: Identify which item on your credit report appears to provide inaccurate information and search through your finances to verify it is truly an erroneous item.
Step #2: Choose a Dispute Method: TransUnion makes it possible for you to dispute the inaccurate information one of three ways.
- You can do so by drafting a letter and mailing it to their offices.
- You can call the company and speak with a customer service representative who will guide you through the process of disputing the information.
- You can fill out their online form to do the job.
Step #3: Put TransUnion to Work: TransUnion will contact the data provider reporting the information and ask for verification of the information they have provided. The source may take up to 45 days to verify whether the information on the report is correct or not.
Step #4: The Result: TransUnion will document the outcome of the investigation and make any necessary changes to your report. You will be notified of the outcome of the dispute 3 to 5 business days after the investigation is closed. If you sent in your request via email, your answer will be emailed to you and viewable immediately.
If you disagree with the result of the investigation, you have the right to submit a 100-word customer statement to add to your report explaining your side of the story. If you're not sure exactly what to write, you can speak with a customer service representative to get help with writing your dispute.
