Understanding TransUnion: Your Credit Report and Your Rights
TransUnion is one of the three major credit bureaus in the U.S., along with Equifax and Experian. It collects and maintains credit data on millions of consumers, influencing credit scores, loan approvals, and financial opportunities.
At Consumer Rights Law Firm PLLC, we help consumers dispute errors, correct inaccurate reporting, and hold TransUnion accountable under the Fair Credit Reporting Act (FCRA).
What Does TransUnion Do?
TransUnion provides credit reports and scores to:
✔️ Banks and lenders for credit card, mortgage, and loan approvals.
✔️ Landlords to screen rental applicants.
✔️ Employers performing background checks.
✔️ Insurance companies assessing risk.
🚨 If TransUnion reports inaccurate or outdated information, it can damage your credit score and financial standing.
How to Get Your Free TransUnion Credit Report
Under the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report per year from TransUnion.
🔹 Request it online at www.annualcreditreport.com
🔹 You can also contact TransUnion directly:
📞 Phone: 1-800-916-8800
🌍 Website: www.transunion.com
➡️ Tip: Regularly checking your credit report helps identify errors and prevent fraud.
Common Errors on TransUnion Credit Reports
Errors on your TransUnion credit report can lower your credit score and impact your ability to secure credit. Common mistakes include:
❌ Incorrect personal information (wrong name, address, or Social Security number).
❌ Accounts that don’t belong to you (mix-ups or identity theft).
❌ Duplicate accounts (the same debt listed multiple times).
❌ Old negative accounts that should have been removed.
❌ Fraudulent accounts from identity theft.
🚨 You have the right to dispute any inaccurate or unverifiable information.
How to Dispute an Error with TransUnion
If you find incorrect or fraudulent information on your TransUnion credit report, follow these steps:
✅ Gather evidence (bank statements, proof of payments, identification, etc.).
✅ File a dispute online, by phone, or by mail:
🌍 Online: TransUnion Dispute Center
📞 Phone: 1-800-916-8800
📬 Mail: TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016
✅ TransUnion has 30 days to investigate your dispute and either correct or confirm the information.
✅ If TransUnion refuses to correct the error, you may have a legal case under the FCRA.
What If TransUnion Does Not Fix an Error?
If TransUnion fails to correct inaccurate or unverifiable information, you have the right to take legal action under the Fair Credit Reporting Act (FCRA). You may be entitled to:
💰 Compensation for financial damages caused by incorrect credit reporting.
💰 Up to $1,000 per violation in statutory damages.
💰 Correction or removal of inaccurate information from your credit report.
At Consumer Rights Law Firm PLLC, we fight for consumers who have been harmed by credit reporting mistakes and negligent investigations by TransUnion.
Need Help With a TransUnion Credit Issue?
If TransUnion has reported incorrect information, refused to fix an error, or harmed your credit unfairly, Consumer Rights Law Firm PLLC is here to help. We’ll guide you through the dispute process and take legal action if necessary.
📞 Call us at 877-700-5790
📧 Email us at help@consumerlawfirmcenter.com
Don’t let TransUnion’s mistakes hurt your credit—know your rights and take action today!