Dispute TransUnion Credit Report Errors

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What’s on a TransUnion Credit Report?

TransUnion is one of the three biggest credit reporting agencies that provides services to both consumers and businesses regarding a person’s credit and background information.

Some services TransUnion offers are:

  • Credit reports and credit scores
  • Employment and criminal background checks
  • Tenant and resident screening
  • Credit freezes
  • Income insights

When a lender, landlord or other business receives a TransUnion credit report, they use that information to determine the consumer’s creditworthiness and risk in lending.

Unfortunately, credit report errors are very common and can be extremely harmful. If you have found an error on your TransUnion credit report, you have the right to view your report, dispute an error, and have the error removed from your report.

The Cost of a TransUnion Credit Report Error

An error on your credit report can not only lower your credit score, but it can also result in:

  • higher interest rates for your home mortgage, credit card, and private student loans
  • higher insurance premiums for your home and car
  • loss of a job opportunity
  • denial of loan and credit applications

In extreme cases, an error on your credit report could even affect your U.S. government clearance. In fact, TransUnion lost a class action lawsuit in 2017 after consumers were flagged as terrorists on their credit report.

How to File a TransUnion Credit Dispute

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute errors on your credit report. You must be notified if a credit or consumer report has been used against you, and you are entitled to a copy of your file.

If there’s a mistake or inaccuracy on your TransUnion credit report, notify TransUnion and dispute the error. You can write a dispute letter and mail it to the TransUnion dispute address below. Additionally, you can file a TransUnion dispute online.

After you dispute, TransUnion must then look into the error and verify that it is incorrect. If it is found to be a mistake, it must be removed or corrected within 30 days. Throughout these 30 days, you can opt to receive email notifications to check your TransUnion dispute status.

However, if you receive your TransUnion dispute results to find that the error was not fixed, you have the right to sue.

Sue for an Unresolved TransUnion Dispute

Once you file a dispute online, by mail or over the phone, TransUnion has 30 days to verify that the information is incorrect and correct the mistake. If the error isn’t fixed, you have the right to sue under the FCRA.

The attorneys at Francis & Mailman are ready to help you sue for unresolved errors on your TransUnion credit report. Get your free case review and call us toll-free at 1-877-735-8600 today.

TransUnion Contact Information

Address P.O Box 2000
City Chester
State Pennsylvania
Zip Code 19016
Phone 800-916-8800
File an online dispute transunion.com

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