Dispute your TransUnion credit report by mail

If something on your TransUnion credit report is wrong or incomplete, this page helps you send a clear dispute letter to the current mailing address. You get a TransUnion-specific template, a checklist of what to include, and the extra details that matter for mailed disputes like the file number field and personal-information documents.

Use this page for real mistakes on your TransUnion report, like an account that is not yours, a wrong late-payment mark, a duplicate debt, incorrect personal information, or an inaccurate public record entry. It is not for asking TransUnion to remove negative information that is actually correct. It is also useful if you searched for TransUnion dispute address, TransUnion dispute by mail, mail dispute to TransUnion, TransUnion dispute letter template, or TransUnion P.O. Box 2000 Chester PA.

Found something wrong on your TransUnion credit report? Open a ready-made dispute letter, replace the placeholders with your own details, attach your proof, and mail it to the current TransUnion dispute address.

These details are ready

This page uses the current TransUnion mailing address shown on the live dispute instructions page: P.O. Box 2000, Chester, PA 19016-2000. Some older TransUnion PDFs still show 19022-2000. Last checked: April 4, 2026.

So your letter looks

TransUnion Consumer Solutions

2000 P.O. Box

Chester, PA 19016-2000

United States

April 4, 2026 TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 Subject: Dispute of inaccurate information on my TransUnion credit report Dear TransUnion Consumer Solutions, I am writing to dispute information on my TransUnion credit report that I believe is inaccurate or incomplete. My details are: Full name: [your full name] Date of birth: [your date of birth] Social Security number: [your Social Security number] Current address: [your current address] Previous address, if relevant: [your previous address] Phone number: [your phone number] Email: [your email address] TransUnion file number (FIN), if available: [file number] Credit report date, if available: [report date] I am disputing the following item(s): 1. [Creditor / lender / collector / public record source] Account number: [account number] This information is wrong because: [short reason] The correct information should be: [what should change] Documents attached: [list your proof] 2. [Next item, if needed] Account number: [account number] This information is wrong because: [short reason] The correct information should be: [what should change] Documents attached: [list your proof] Please investigate these items and correct or delete any information that is inaccurate or incomplete. I have attached copies of my identification, proof of address, a copy of my TransUnion credit report with the disputed items marked, and copies of the documents that support my dispute. If any disputed item involves my name, date of birth, Social Security number, or address, please update my file to match the supporting documents enclosed. Please mail me written confirmation of the results of your investigation. Sincerely, [Signature] [Printed name] Enclosures: - Copy of government-issued ID - Proof of address - Copy of TransUnion credit report with disputed items marked - Supporting documents: [list them] - Personal-information correction documents, if applicable

Open your TransUnion dispute letter

Short lines that fit common TransUnion disputes

• • This account is not mine and does not belong in my TransUnion file.
• • This payment history is inaccurate. I paid on time, and I attached proof.
• • This account was paid in full and should not show an unpaid balance.
• • This personal information is incorrect and should be updated to match my identification documents.
• • This public record entry is inaccurate. I attached court records showing the correct status.

Before you continue

• • Send copies, not originals, and keep a full copy of everything you mail.
• • Include your full name, date of birth, Social Security number, current address, previous address if relevant, phone number, and your TransUnion file number (FIN) if it appears on your report.
• • Add a copy of your ID, proof of address, a copy of your TransUnion credit report with the disputed items marked, and copies of any documents that support your dispute.
• • List each disputed item separately with the company name, account number, what is wrong, what should be corrected, and which documents prove your point.
• • If you are correcting your name, date of birth, Social Security number, or address, include supporting documents for that change. TransUnion says mailed address updates should include two documents showing the new address.
• • TransUnion says it accepts either standard or certified mail. Certified mail is still useful if you want proof of delivery.