If you choose to mail your dispute, your letter must be clear and factual:
: Retain a copy of the signed letter, all attachments, and your certified mail receipt for your own files. trans union disputes
: Explain exactly why the information is wrong (e.g., "This account was closed in 2021" or "This is not my account"). If you choose to mail your dispute, your
: If you don't receive a response within 30–45 days, contact TransUnion to check the status of your investigation. trans union disputes
: For every error, list the creditor name and the account number (as it appears on your report).
: Collect supporting documents such as billing statements, canceled checks, or letters from creditors that prove the information is wrong. 2. Choose Your Dispute Method