Bureau dispute guide

How to Dispute Your TransUnion Credit Report

Everything you need to remove errors from TransUnion — the mailing address, the exact legal citations, and the round-2 escalation letter that gets stubborn items deleted.

Generate my letter free See all 12 templates
Legal basis
FCRA §1681i
Timeline
30 days by law
Difficulty
Beginner-friendly
Where to mail this letter
TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016

Always send certified mail with return receipt. This starts your 30-day FCRA clock and gives you proof of delivery.

Step-by-step: how to dispute

  1. 1
    Get your TransUnion report free at AnnualCreditReport.com. Do not pay for it.
  2. 2
    Highlight every item that is inaccurate, incomplete, or unverifiable. Include the account number, creditor, and date reported.
  3. 3
    Write a specific dispute reason for each item. 'This is wrong' is not enough — say why: 'balance shows $2,400 but was paid to $0 on 3/1/2024.'
  4. 4
    Attach supporting evidence: paid receipts, bank statements, court records for public records, or an FTC identity theft report if fraud is involved.
  5. 5
    Mail certified with return receipt to the TransUnion P.O. Box above. Keep the receipt — it proves when the clock started.
  6. 6
    Wait 30 days. TransUnion will send an investigation result. If items are deleted, request an updated report to confirm.
  7. 7
    If TransUnion returns 'verified' without investigating, send an MOV letter under §1681i(a)(6)(B)(iii) demanding the exact procedure they used.

Skip the templates — let AI write it for you

Answer 3 questions. Kredora Prime auto-fills the legal citations, formats the letter, and gives you a ready-to-mail PDF. Free forever, no credit card.

Start free

Frequently asked questions

What is the TransUnion dispute mailing address?+

TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016. Certified mail with return receipt is strongly recommended.

How is TransUnion different from Experian and Equifax?+

The three bureaus operate independently. An item deleted at TransUnion may still appear at the other two — dispute all three separately for full removal.

What is the TransUnion 30-day rule?+

FCRA §1681i(a)(1)(A) gives TransUnion 30 days from receiving your dispute to investigate and respond. Miss the deadline and the item must come off.

Should I use the TransUnion online dispute portal?+

Online disputes waive your right to sue in some cases and limit the evidence you can attach. Mail is slower but far more powerful legally.