There’s a mistake on my TransUnion credit report. How do I dispute it?

If you see an error with one of your accounts on your TransUnion credit report, we can help you dispute it through our Direct DisputeTM tool.

How Direct Dispute works

  1. If you see an error when reviewing an account on your TransUnion credit report, look for the link that says “We can help you dispute an error with TransUnion.”

  2. Complete a quick form and click the “Submit Your Dispute Request to TransUnion” button. 

  3. TransUnion will review your dispute request and let you know if the item will stay on your report, be modified or be removed from your report. TransUnion typically completes its review within 30 days, but it could take longer in some cases.

 

  

(For illustrative purposes only)

What to know before you start

  • You should only file a dispute if you believe there is incorrect information on your TransUnion report.

  • Filing a dispute request does not guarantee that TransUnion will change your report.

  • Keep in mind that recent activity may not be reflected on your report immediately. Before you file a dispute, you may want to wait 30 days to see updates to your report first.

  • You can only have one dispute open at a time through Direct Dispute. If you need to dispute more than one item, you can:

  • You can’t dispute every type of error through Direct Dispute (for example, you can’t dispute incorrect personal information). If you see an error on your report but there’s no Direct Dispute option, you can still file a dispute directly with TransUnion.

  • Direct Dispute is not available for errors on your Equifax report, but you can file a dispute directly with Equifax online.

Seeing changes on Credit Karma

If TransUnion makes a change to your report as a result of your dispute, you’ll see it on Credit Karma as soon as we get the updated information from TransUnion. Keep in mind that TransUnion has to make the change. Credit Karma does not edit information on your credit report.

Still have questions? Contact us.
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