How do I get TransUnion to fix an error on my credit report?
How to dispute an error on your TransUnion credit report, what the Fair Credit Reporting Act requires them to do, and how to escalate to the CFPB if they will not fix it.
Regulator
CFPB
Key legislation
Fair Credit Reporting Act
Dispute path
Letter first, deadline tracked. If they go quiet, escalation to CFPB is prepped and ready.
An error on your TransUnion report is not something you have to live with, and the law is unusually clear here compared with most US consumer disputes. Under the Fair Credit Reporting Act, once you dispute an item TransUnion must investigate it — generally within about 30 days — and must delete anything it cannot verify. That last part is the important one: the burden is on them to substantiate the item, not on you to disprove it.
Dispute in writing and dispute in two places at once. TransUnion will investigate by contacting whoever furnished the information, so sending the same dispute directly to that lender, bank or collection agency means the account they rely on has already been challenged. Send copies rather than originals, keep proof of delivery, and state plainly what is wrong and what you want changed. Vague disputes get vague answers.
If TransUnion comes back saying the item was verified and nothing changes, ask for the method of verification — you are entitled to know how they checked and who they contacted. If that does not resolve it, the CFPB takes complaints about credit bureaus for free, forwards them directly to the company, and publishes both the complaint and the response. Credit reporting is consistently the largest single category of complaint in that database, and the bureaus answer it.
Frequently asked questions
How long does the bureau have to investigate?
Under the Fair Credit Reporting Act a credit bureau generally has about 30 days to investigate a disputed item, and it must delete anything it cannot verify. Put the dispute in writing and keep proof of when you sent it, because the clock runs from receipt.
Should I dispute with the bureau or the company that reported it?
Both, and this is the single biggest improvement most people can make. The bureau investigates by asking the furnisher — the lender, collector or bank that reported the item. Disputing with the furnisher directly at the same time means the answer the bureau receives has already been challenged.
Does disputing hurt my credit score?
No. Filing a dispute does not lower your score, and an item under dispute is marked as such rather than removed while it is investigated.
What if they say the item is verified and leave it?
Ask for the method of verification — you are entitled to know how they verified it and who they contacted. A "verified" result produced by an automated match rather than an actual check is worth pushing back on, and you can add a statement of dispute to your file in the meantime.
What evidence should I send?
Send copies, never originals: the report page showing the error circled, anything proving the correct position (a payoff letter, a bank statement, a police report for identity theft), and a short letter saying exactly what is wrong and what you want changed.
What if TransUnion just ignores my letter?
Silence is not a dead end, it is a deadline breach. TransUnion is expected to respond to a formal complaint within 30 days. Build your letter with us and we track that deadline for you: a countdown check-in two weeks in, and if they miss the deadline, your escalation to the CFPB (Consumer Financial Protection Bureau) arrives pre-filled and ready to lodge. Escalating is free.
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screwtheman.com is not a law firm and does not provide legal advice. The content on this page is for general information on consumer rights, legislation, and dispute pathways. For complex legal matters, consult a qualified lawyer or the relevant regulator.