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TransUnion dispute letter

Found an error on your TransUnion credit report? Fill in what's wrong and get a ready-to-mail letter to TransUnion's dispute address under FCRA § 611. If the same error shows on other bureaus, tick them too.

  • ✓ Free, no sign-up
  • ✓ Built on your device — nothing sent
  • ✓ Cites the right law for each recipient
  • ✓ Print, PDF or copy
1. Who are you writing to?
Dispute with each bureau that shows the error — one letter each.
2. Your details
3. What's wrong on your report?
Item 1
4. What you'll enclose

Send copies, never originals.

Your letter

Letter to TransUnion
October 23, 2026 TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 Re: Dispute of inaccurate information in my credit report To whom it may concern: I am writing to dispute the following information in my TransUnion credit file. The items I dispute are circled on the enclosed copy of my report. [Add the items you dispute] Under section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i), please conduct a reasonable reinvestigation of these items, forward the information I have provided to the companies that reported them, and delete or correct any information that is inaccurate, incomplete or cannot be verified. Please send me the results of your reinvestigation in writing and, if my file changes, a free copy of my updated credit report. Enclosed are: - A copy of my credit report with the disputed items circled - A copy of my driver's license or other government ID - A copy of a utility bill or bank statement showing my current address Sincerely, [Your name]

Mail it the right way

  1. Sign the letter and attach copies of what you listed.
  2. Send it by certified mail, return receipt requested — your proof of the date it arrived.
  3. Keep a copy of everything you send.
  4. If mailed October 23, 2026, it should arrive around October 28, 2026. The bureau generally must finish its investigation by about November 27, 2026 (30 days; up to 45 if you send more information meanwhile).

How to dispute with TransUnion

  • By mail: TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000 — send it certified mail, return receipt requested.
  • Online: TransUnion's dispute center.
  • By phone: (800) 916-8800.

TransUnion only fixes its own report. If Equifax, Experian or TransUnion show the same error, dispute with each of them — the builder can make all the letters at once.

Sample credit dispute letter

This is exactly what the builder produces for an example late payment that was actually on time. Use the tool above to make yours.

October 20, 2026 Jane Doe 123 Main St Columbus, OH 43215 Date of birth: 01/31/1990 Social Security number: XXX-XX-1234 TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 Re: Dispute of inaccurate information in my credit report To whom it may concern: I am writing to dispute the following information in my TransUnion credit file. The items I dispute are circled on the enclosed copy of my report. 1. Capital One, account ending in 4321: This account shows a late payment for June 2025, but I paid on time. My bank statement shows the payment cleared on 06/01/2025. I request that this item be corrected. Under section 611 of the Fair Credit Reporting Act (15 U.S.C. § 1681i), please conduct a reasonable reinvestigation of these items, forward the information I have provided to the companies that reported them, and delete or correct any information that is inaccurate, incomplete or cannot be verified. Please send me the results of your reinvestigation in writing and, if my file changes, a free copy of my updated credit report. Enclosed are: - A copy of my credit report with the disputed items circled - A copy of my driver's license or other government ID - A copy of a utility bill or bank statement showing my current address Sincerely, Jane Doe

Where to send a credit dispute

Equifax

Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256

Dispute online →

Experian

Experian P.O. Box 4500 Allen, TX 75013

Dispute online →

TransUnion

TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000

Dispute online →

Addresses checked on each bureau's own dispute page on October 18, 2026. Disputes are free.

What happens after you send it

  1. Credit bureaus must investigate within 30 days of receiving your dispute (45 days if you send more information during that time), pass your documents to the company that reported the item, and send you the results in writing within 5 business days of finishing. Items that are wrong or can't be verified must be corrected or deleted (FCRA § 611).
  2. The company that reported it generally must investigate a direct dispute within 30 days too (Regulation V).
  3. Debt collectors must stop collecting a debt you dispute in writing during the validation period until they send you verification (FDCPA § 809 and Regulation F).
  4. If the result is wrong, you can dispute again with new evidence, add a statement to your file, or submit a complaint to the CFPB.

Get the free DIY Credit Repair Kit (PDF)

The 5-step plan, bureau addresses, a sample letter, what you can and can't remove, and a printable dispute tracker — free when you join our weekly money email.

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Frequently asked questions

What is TransUnion's dispute address?+

TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. You can also dispute online or by phone at (800) 916-8800.

How long does TransUnion take to investigate a dispute?+

Under the FCRA, TransUnion generally has 30 days after receiving your dispute to investigate (45 if you send more information during that time), and must send you the results within 5 business days of finishing.

Should I dispute online or by mail with TransUnion?+

Online is fastest. Mail with a return receipt gives you proof of what you sent and when, and lets you attach supporting documents and a copy of your report with the errors circled.

Is it free to dispute my credit report?+

Yes. Disputing errors with Equifax, Experian and TransUnion is free, and so is this letter builder. You can also check your reports for free every week at AnnualCreditReport.com.

Do I need a credit repair company?+

No. The FTC says that everything a credit repair company can legally do for you, you can do yourself for little or no cost. No company can legally remove accurate, current negative information from your report.

What is a 609 letter, and does it work?+

Section 609 of the FCRA gives you the right to see what's in your credit file. It isn't a special way to delete accounts. Accurate items can stay even if you send a '609 letter'. What works is disputing information that is actually wrong under section 611 — which is what this letter does.

Should I dispute online or by mail?+

Both work. Mail with a return receipt gives you proof of what you sent and when, and lets you attach documents and a copy of your report with the errors circled. Online is faster to file. Whichever you use, keep copies.

Is my information sent anywhere?+

No. The letter is built in your browser. Nothing you type is sent to Numlight or anyone else. If you choose to save a draft, it stays in this browser only, and SSN digits are never saved.

General information and sample letters, not legal advice. Numlight is not a law firm or a credit repair organization and doesn't send letters for you. Only dispute information you believe is inaccurate or incomplete. Sources: CFPB — disputing credit report errors; 15 U.S.C. § 1681i; 12 CFR § 1006.34.