TransUnion Dispute Letter — Free Template
If something on your TransUnion credit report is inaccurate, a TransUnion dispute letter asks TransUnion to reinvestigate the item and correct or remove it. The template names the specific account, explains what is wrong, lists your supporting documents, and asks for written results.
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Free to preview[Your full legal name]
[Your current mailing address]
October 15, 2026
TransUnion
Consumer Dispute Department
Re: Dispute of inaccurate information in my credit file
To whom it may concern:
I am writing to dispute inaccurate information in my TransUnion credit file. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681i, I ask that you conduct a reasonable reinvestigation of the item below and correct or delete it.
Item disputed:
Creditor or company: [Creditor or company that reported the item]
The problem: [What's wrong with this item?].
[Explain the error]
Please forward this dispute and all relevant information I have provided to the company that reported the item. If your reinvestigation finds that the information is inaccurate, incomplete or cannot be verified, please delete or correct it.
When you have finished, please send me written notice of the results at the address above, along with a free copy of my updated credit report if the reinvestigation results in a change.
I have enclosed a copy of a government-issued photo ID and a document showing my current address so that you can confirm my identity. I am keeping a copy of this letter and proof of mailing for my records.
Sincerely,
[Your full legal name]
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Common TransUnion report errors
Frequent problems include duplicate accounts, accounts that belong to someone with a similar name, wrong balances, closed accounts shown as open, and old debts that should have aged off. Choose the option in the template that matches your situation and explain it in plain words.
Check your personal information section too. A wrong address or name variation can be a sign of a mixed file or identity theft.
How to send it
TransUnion accepts disputes online, by phone and by mail. If you mail your dispute, use the dispute address on TransUnion's website and send it by certified mail with a return receipt. Include copies of your ID and a document showing your current address.
Keep a folder with your letter, the receipt, and any reply. If you need to dispute again or file a complaint, that record will help.
After the investigation
TransUnion generally must complete its investigation within 30 days, or 45 in some cases, and send you the results. If information is changed, you will receive an updated report.
If the dispute does not resolve the problem, you can dispute directly with the creditor, add a short statement of dispute to your file, or file a complaint with the Consumer Financial Protection Bureau.
What to do, step by step
Get your credit reports
Download your free reports from AnnualCreditReport.com, the official site for free reports from all three bureaus. Check each one, since an error may appear on one report and not the others.
Gather proof
Collect anything that shows the item is wrong: bank statements, payment confirmations, letters from the creditor, a paid-in-full letter or an identity theft report.
Fill in your letter
Answer the questions above, one disputed item per letter. Be specific about what's wrong and what the correct information is.
Mail it to the bureau's dispute address
Look up the current mailing address for disputes on your bureau's official website, since these addresses change. Send by certified mail with return receipt and include copies, never originals, of your ID, proof of address and supporting documents.
Track the 30-day clock
The bureau generally has 30 days after receiving your dispute to investigate and must then send you the results in writing. Keep your mailing receipt so you can show when it arrived.
What if the bureau doesn't fix the error?
If the bureau's investigation verifies the item and you still believe it's wrong, you don't have to stop there. Ask the bureau for a description of how it investigated, dispute again with any new evidence, and send a written dispute directly to the creditor that reported the information.
You can also ask the bureau to add a brief statement to your file explaining your side of the dispute, which is included with future reports that contain the item.
If a bureau fails to investigate or keeps reporting information you've shown is wrong, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov. The Fair Credit Reporting Act also lets consumers sue over certain violations and recover damages, court costs and legal fees in a successful case.
Example transunion dispute letter
A filled-in sample with made-up details, so you can see the finished result.
Teresa M. Alvarez
215 Ridge Rd, Raleigh, NC 27607
Date of birth: April 17, 1988
October 5, 2026
TransUnion
Consumer Dispute Department
Re: Dispute of inaccurate information in my credit file — report or confirmation number TU-338120945
To whom it may concern:
I am writing to dispute inaccurate information in my TransUnion credit file. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681i, I ask that you conduct a reasonable reinvestigation of the item below and correct or delete it.
Item disputed:
Creditor or company: Brightway Retail Card
Account number ending in: 5507
The problem: This account appears more than once.
My TransUnion report lists this store card twice, once under Brightway Retail Card and once under its former name, Brightway Stores Credit. Both entries show the same account number ending in 5507, the same opening date of March 2019 and the same balance. It is one account and should appear only once.
I have enclosed copies, not originals, of the following documents supporting my dispute: my most recent Brightway statement and a copy of my TransUnion report with both entries circled.
Please forward this dispute and all relevant information I have provided to the company that reported the item. If your reinvestigation finds that the information is inaccurate, incomplete or cannot be verified, please delete or correct it.
When you have finished, please send me written notice of the results at the address above, along with a free copy of my updated credit report if the reinvestigation results in a change.
I have enclosed a copy of a government-issued photo ID and a document showing my current address so that you can confirm my identity. I am keeping a copy of this letter and proof of mailing for my records.
Sincerely,
Teresa M. Alvarez
Frequently asked questions
Why does my TransUnion report differ from Equifax and Experian?
Creditors do not always report to all three bureaus, and they may report at different times. Errors can also enter one bureau's file and not the others. Compare all three reports and dispute with each bureau that shows the mistake.
Can I dispute more than one item in a letter?
You can, but listing each item clearly is important. Many people send one letter per item, especially for complicated disputes, so each one is handled and answered separately.
Is it free to dispute with TransUnion?
Yes. Disputing information on your credit report is free with every bureau. You do not need to pay anyone to file a dispute for you.
Is it better to dispute online or by mail?
Either works. Online disputes are fast, but they can limit how much you can explain and may ask you to accept terms. A mailed letter lets you lay out the facts, enclose documents and keep certified-mail proof of when the bureau received your dispute, which is useful if you need to escalate.
How long does a credit dispute take?
Under the Fair Credit Reporting Act, a bureau generally must finish its investigation within 30 days of receiving your dispute. That can be extended by up to 15 days in some cases, such as when you send more information during the investigation. The bureau must then notify you of the results.
FairLetter is not a law firm and does not provide legal advice. Letters are templates you customize and send yourself.