Dispute

Begin a Dispute Resolution

Tenant’s Contact Form

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To dispute with the bureaus directly,
follow the links and instructions below.

Equifax Dispute Directions

Adapted from https://www.equifax.com/personal/credit-report-services/credit-dispute/

How it works

  1. Check your credit report: Checking your credit report can help you spot information that may be inaccurate or incomplete.
  2. File a dispute for free: If you see information on your Equifax credit report that you believe is inaccurate or incomplete, simply file a dispute, and we’ll look into it right away.
  3. Results completed within 30 days: Once you’ve submitted a dispute, we’ll investigate and return your results.
  4. Updates to your credit report: If we do find that information on your credit report needs to be updated, don’t worry. We’ll take care of it.

Click here to start a Dispute with Equifax: https://my.equifax.com/consumer-registration/rest/1.0/redirectPartnerTenant?intent=DISPUTE

TransUnion Dispute Directions

Online

Visit service.transunion.com to log in or sign up for your free TransUnion Service Center account.
Here, you can:

  • Add, temporarily lift, or remove a credit freeze
  • Add a fraud alert or consumer statement to your credit report
  • Submit a dispute
  • Request a credit report
  • Submit a privacy request

Phone

Speak to an agent by calling 800-916-8800
Hours: Monday – Friday, 8 a.m.-11 p.m. Eastern Time; Saturday – Sunday, 8 a.m. – 6 p.m. Eastern Time.
Please note: Our call center is closed on major U.S. holidays.

Live Chat

Visit service.transunion.com and click the Live Chat icon.
Agents are available:
Monday – Friday, 8 a.m. – 11 p.m. Eastern Time
Saturday – Sunday, 8 a.m. – 6 p.m. Eastern Time
Closed on major U.S. holidays.

Mail

Please include all required documentation for the type of request you’re submitting. Send your request to the appropriate address below:

  • Freeze
    TransUnion
    P.O. Box 160
    Woodlyn, PA 19094
  • Dispute
    TransUnion Consumer Solutions
    P.O. Box 2000
    Chester, PA 19016
  • Disclosure
    TransUnion LLC
    Consumer Disclosure Center
    P.O. Box 1000
    Chester, PA 19016
  • Fraud Alert
    TransUnion
    P.O. Box 2000
    Chester, PA 19016

Business Credit Report

If you’re looking for a copy of your business’s credit report, you can learn more on the
U.S. Small Business Administration website.

If you have additional questions, please visit our
Consumer Support page – we’re here to help.

Experian Dispute Directions

Adapted from https://www.experian.com/disputes/main.html

How to Dispute Credit Report Information

Regularly reviewing your credit report is essential to ensure all information is accurate. If you identify any inaccuracies, you have the right to dispute them. Experian offers multiple methods to submit disputes:

1. Online

The quickest way to dispute inaccuracies is through Experian’s online platform:

  • Visit the Experian Dispute Center.
  • Log in or create a free account.
  • Review your credit report and identify the items you wish to dispute.
  • Follow the prompts to submit your dispute and upload any supporting documents.

For a detailed guide, refer to Experian’s article on How to Dispute Credit Report Information.

2. By Mail

If you prefer to submit your dispute via mail:

  • Download and complete the dispute form from Experian.
  • Gather copies of supporting documents.
  • Mail your dispute and documents to:
Experian
P.O. Box 4500
Allen, TX 75013

Ensure you only send copies and retain the originals for your records.

3. By Phone

To initiate a dispute over the phone:

  • Obtain a copy of your Experian credit report.
  • Call Experian’s dispute hotline at 855-414-6048.
  • A dispute specialist will guide you through the process.

What You Can Dispute

Items you can dispute include:

  • Incorrect personal information (e.g., name, address).
  • Accounts that don’t belong to you.
  • Inaccurate payment history.
  • Duplicate accounts.
  • Outdated information.

For more details, visit Experian’s FAQ on disputing credit report information.

After Submitting a Dispute

Once your dispute is submitted:

  • Experian will investigate, typically within 30 days.
  • You’ll receive updates on the status of your dispute.
  • After the investigation, you’ll be informed of the outcome and any changes made to your credit report.

Learn more about the dispute process on Experian’s dispute information page.

Additional Resources

For further assistance:

Maintaining an accurate credit report is vital for your financial health. Regularly review your report and promptly address any discrepancies to ensure your creditworthiness remains intact.