What Are TransUnion Credit Disputes?


Quick Answer

A TransUnion credit dispute happens when a consumer requests an investigation of a particular item on his TransUnion credit report, notes TransUnion. The accounts that a credit report lists as delinquent and unpaid affects the consumer's credit score. Disputing those items is an attempt to make the score accurate.

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What Are TransUnion Credit Disputes?
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Full Answer

After viewing a TransUnion credit report, the consumer has three methods of filing a dispute. The TransUnion website has a portal for online submission, the company accepts request by mail, and the company maintains a phone line to take disputes as well. Before attempting any of these methods, the consumer needs the File Identification Number (from the credit report), his Social Security Number, current address and date of birth, all to confirm identification. The dispute report also needs the company name and account number of the disputed item (available on the credit report) and the specific reason for the dispute, such as already having paid the claim or an identification error on the account, reports TransUnion.

After the consumer files the dispute, TransUnion starts to investigate the claim and generally finishes within 30 days and sends the consumer a summary of finds through the U.S. mail. If TransUnion cannot verify the information in the report after the dispute, the company deletes it from the record, although it reserves the right to add it back if verification happens later, as stated by TransUnion.

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