In a nutshell: A TransUnion Credit Report provides a detailed overview of your credit history and financial reliability, including personal information and account access details. If you spot inaccuracies or fraud, consider filing a dispute with TransUnion
A TransUnion Credit Report includes a detailed summary of your credit history as well as your financial reliability. It includes your personal information and details of who attempted to request access to your account. If you see inaccurate information or fraudulent activity on your account, consider filing a dispute with TransUnion so they can resolve the problem. To file a dispute, read this guide for the detailed steps.
Please enter the username and password associated with your account.
If you have forgotten your username and password, you can sign in to your TransUnion account by using your full social security number, last name, and date of birth.
If you don't have an account yet, create an account with TransUnion using this link: https://service.transunion.com/dss/orderStep1_form.page
Fill out the required fields and tap 'I Accept' and then 'Continue' to Step 2. Then follow the on-screen instructions to successfully set up an account with TransUnion. Having an account means you can start a dispute, request a credit report, add or remove a fraud alert, and temporarily lift a free credit freeze on your account.
Thoroughly review your credit report to determine if there is a need to file a dispute. If you paid off a balance, you need to wait until the next monthly statement for it to be reflected in your account. If you still don't see it reflected on your account after the next statement, you may consider starting a Dispute. Some of the things you can dispute include inquiries on your account that you don't recognize, fraudulent activities on your account, student loans, and personal information. Note that you will be unable to dispute your credit score, but TransUnion can help you understand why you got a certain score in your credit report.
Once logged in to the TransUnion Service Center, tap Dispute to start the Dispute process and follow the on-screen instructions.
If there is inaccurate information on your credit report, you may contact TransUnion directly to file a dispute. However, ensure to have all this information on hand:Complete nameDate of birthSocial insurance number which is optionalCurrent addressPrevious address (if you've lived for less than two years in your current address)Disputed items and company nameReason for disputeTransUnion offers a toll-free number for your use, and their Consumer Relations Department is available Monday through Friday from 8 am to 8 pm. French hours are from 8:30 a.m. to 5:00 p.m. EST. They are closed during major holidays.
Before submitting your dispute to TransUnion, please ensure that you have completed the form.
Use this link for the English version of the form: https://www.transunion.ca/content/dam/transunion/ca/consumer/documents/Credit-Investigation-Request-Form-en.pdf
Download Adobe Acrobat Reader to print the form. Have all the necessary documents, including documentation such as marriage certificates or name certificates for personal information disputes. Once the forms are completed, mail them to TransUnion.
You can dispute multiple information on your credit report and see active or previous disputes in the online dispute center. After the investigation, TransUnion will send an email or send the results to your physical address. Most disputes are usually completed within two weeks or up to 30 days. If you disagree with the outcome, please feel free to contact the lender and provide relevant documentation. Still having concerns about starting a dispute with TransUnion? Contact Customer Support.
GetHuman has been working for over 10 years on sourcing information about big organizations like TransUnion in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Dispute a TransUnion Credit Report? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.