Transunion Credit Report Errors

Could you be one of 40 million Americans that have at least one error on your credit report? With over half of these cases classified as serious, it could have a major impact on your livelihood, affecting your ability to qualify for work, loans, credit cards or insurance. Fortunately, due to such a high frequency of error, federal law delivers powerful recourse for those harmed by inaccurate credit reports.

As one of the three national credit reporting agencies, alongside Equifax and Experian, TransUnion is required to provide a free credit report every twelve months upon request. If you haven’t taken the steps to obtain and review this information, your credit score may be suffering due to overlooked mistakes. But what you also may not know is that the law, the Fair Credit Reporting Act (FCRA), entitles you to have all credit report errors corrected.  If you have disputed the errors with the credit bureau and the error is not corrected, you may be able to exercise your consumer rights under the FCRA and receive compensation for your case, and your attorney’s fees would be paid by the credit bureau.

We can help you dispute your TransUnion credit report errors and prevent any future errors at no cost to you. Here’s how you can get started:

Step 1: Obtain your free credit report.

Write for your credit report and include two forms of identification, such as a current driver’s license and a recent utility bill. It may take about two weeks to receive your reports.

To obtain a free credit report from Transunion write to:

Transunion
Consumer Disclosure Center
P.O. Box 1000
Chester, PA, 19022

In addition to receiving a free credit report every twelve months, you can also receive a free report if you have been denied credit within the past 60 days, are a victim of identity theft, on public assistance, or are unemployed and planning to seek employment within the next 60 days.

Step 2: Begin dispute with Transunion credit reporting agency.

After a thorough analysis of your report, you can submit a written dispute to the credit bureau by US Mail. Credit report errors may include listings such as, old debts reported as new, late payments for debts paid on time, duplicate listings, or someone else’s debt listed on your report.

To dispute an error on your Transunion credit report:

Transunion
Consumer Dispute Center
P.O. Box 2000
Chester, PA, 19016

Step 3: Dispute the Investigation

Disputing issues on your report with the credit bureau, there is a 30 days period for the bureau to investigate and then respond to you in writing.  If your dispute has not been resolved and inaccurate information is still listed, you should re-dispute with the bureau.

It is important to clearly state the problem, provide documentation supporting your dispute, and request the step that you would like the bureau to take.  For example, you should clearly state that you would like to:  Delete the listing; Correct the listing; Update information about the listing. Be sure to keep copies of all dispute correspondence sent and received from the credit bureaus.

Seek Legal Advice

If your dispute is not resolved with the credit bureau, you may want to consider legal action. Flitter Milz is an experienced consumer protection law firm that will review your claim at no cost.  We will work to get you the accurate report you deserve.

If you suspect any inaccurate or outdated information on your TransUnion credit report, contact us to discuss your rights and legal options.