To file a complaint against TransUnion, use the Consumer Financial Protection Bureau’s online complaint tool or contact your state’s attorney general. Once you file an online complaint with the Consumer Financial Protection Bureau (CFPB) or state’s attorney general, they will forward that complaint to TransUnion. Basically, the CFPB and the attorneys general want to understand what kinds of complaints companies are receiving as well as what those companies are doing in response. TransUnion’s customer service representatives will look at your complaint and respond with steps they followed (or that they will follow in the future) to resolve your complaint.
If you file your complaint through the CFPB, it will be published on their website (without your personally identifiable information). There are more than 152,000 complaints about TransUnion on the Consumer Financial Protection Bureau’s website. The vast majority of these complaints (88%) were closed with some form of explanation from TransUnion, while approximately 11% were closed with a form of relief to the consumer. The remainder of the complaints are still in progress. In the event that you are unhappy with TransUnion’s response to your complaint, you can provide feedback. The CFPB does not always take action against companies like TransUnion itself, but it does provide complaint data to the public and sends reports to state and federal agencies, as well as Congress.
If you want to file a complaint with TransUnion about something on your credit report, you can file a dispute online through your TransUnion account or add a consumer statement to your credit report. This statement does not affect your credit score, but can help potential creditors and lenders understand the circumstances surrounding negative items on your credit report.
You can contact the TransUnion credit bureau online, by mail, or by phone. The TransUnion customer service phone number is 1 (855) 681-3196. Live customer service representatives are available from 8 a.m. until midnight EST, Monday through Thursday, and 8 a.m. to 8 p.m. EST Friday through Sunday. If you need to contact the credit bureau by mail, TransUnion’s mailing address is: TransUnion Consumer Solutions / P.O. Box 2000 / Chester, PA 19016.… read full answer
TransUnion customer service can help you set up a credit freeze, file a dispute, add a fraud alert, manage your account, and more.
To add a fraud alert to your TransUnion credit report: add an alert online or call 800-680-7289.
Before you initiate contact with TransUnion, make sure to gather any relevant information and documentation that could come up during the conversation, such as your Social Security number, date of birth, financial records, and most recent credit report.
You can dispute credit report information online by visiting Experian, Equifax, and TransUnion. For items you wish to dispute on your TransUnion credit report, you can also visit the credit report tab of your WalletHub account and select “Report to TransUnion” for any inaccurate item. You can only dispute inaccurate information that appears as a result of a mistake or fraud.… read full answer
When you visit the credit bureaus, you will need to verify the following items to submit your dispute:
Social Security number
Date of birth
You will also need to provide a reason for your dispute, including a short explanation of why you believe the information is inaccurate. When you submit your dispute, you’ll be redirected to a confirmation page, which you should print for your records.
Credit bureaus have 30 days to respond after you’ve submitted your dispute, although you may see results sooner. Once a credit bureau has reviewed your dispute, they will either make adjustments to your credit report or provide an explanation as to why no further action is necessary.
To learn more about credit-report disputes as well as other dispute methods, you can visit our dispute guide.
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