{"id":"transunion","page":"https://escalate.alexgaoth.com/#/c/transunion","html":"https://escalate.alexgaoth.com/c/transunion/","generated":"2026-10-15","company":{"id":"transunion","name":"TransUnion","aliases":["trans union","transunion llc"],"sector":"credit_bureau","website":"https://www.transunion.com/","official_domains":["transunion.com","annualcreditreport.com"],"security":{"known_scams":[{"kind":"policy","claim":"The FTC says an email, pop-up ad or phone call from someone claiming to be from AnnualCreditReport.com or any of the credit bureaus is probably a scam. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says only one website, AnnualCreditReport.com, is authorized to fill orders for the free annual credit reports you are entitled to by law. Other sites pretend to be associated with it or claim to offer free credit reports, free credit scores or free credit monitoring.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says companies that promise to repair your credit cannot remove true information, and it is illegal for credit repair companies to charge you before they help you. Scammers insist you pay first, tell you not to contact the credit bureaus directly, or tell you to lie on credit applications or file a false identity theft report.","source":"https://consumer.ftc.gov/articles/fixing-your-credit-faqs","last_verified":"2026-10-12"}]},"regulators":["cfpb","ftc"],"notes":"TransUnion is the publicly traded parent; the consumer credit file and dispute center are run by TransUnion LLC. In July 2025 TransUnion notified about 4.4 million people of a breach of a third-party application. In 2025-2026 TransUnion bought Monevo (UK) and moved to take majority control of Trans Union de Mexico; these do not change US consumer channels. transunion.com and service.transunion.com returned HTTP 403 to automated fetches on 2026-10-12, so the values below come from CFPB and FTC pages.","channels":[{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"dispute-mail","type":"mail","label":"Credit report dispute by mail","value":"TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016","purposes":["credit_report_error","debt_collection"],"access":"open","notes":"Send a letter that explains what is wrong and why, with copies (not originals) of proof. The FTC suggests certified mail with a return receipt. TransUnion's own mail instructions are at https://www.transunion.com/customer-support/dispute-by-mail.","source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"id":"consumer-phone","type":"phone","label":"TransUnion consumer line (phone disputes, security freeze)","value":"+1-800-916-8800","hours":"Monday-Friday 8 a.m.-11 p.m. ET; Saturday and Sunday 8 a.m.-5 p.m. ET","purposes":["credit_report_error","debt_collection","fraud"],"notes":"The CFPB lists this number to dispute by phone, to freeze a report, and as the direct company contact. For reports in Spanish, choose option 2.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"freeze-online","type":"portal","label":"Security freeze","value":"https://www.transunion.com/credit-freeze","purposes":["fraud"],"notes":"Listed by the CFPB as TransUnion's freeze page. Whether an account is needed could not be confirmed.","source":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/trans-union/","last_verified":"2026-10-12"},{"id":"credit-help","type":"portal","label":"TransUnion credit help (fraud alerts)","value":"https://www.transunion.com/credit-help","purposes":["fraud"],"notes":"The FTC links this page for TransUnion credit help and fraud alerts. A fraud alert placed at Equifax or Experian is also passed to TransUnion.","source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"id":"annualcreditreport","type":"portal","label":"AnnualCreditReport.com (free reports from all three bureaus)","value":"https://www.annualcreditreport.com/index.action","purposes":["credit_report_error","debt_collection","fraud"],"access":"open","notes":"The only site authorized under federal law to fill orders for the free reports. It blocks some automated requests.","source":"https://www.annualcreditreport.com/index.action","last_verified":"2026-10-12"},{"id":"annualcreditreport-phone","type":"phone","label":"Annual Credit Report request line","value":"+1-877-322-8228","purposes":["credit_report_error"],"source":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/trans-union/","last_verified":"2026-10-12"},{"id":"annualcreditreport-mail","type":"mail","label":"Annual Credit Report request by mail","value":"Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281","purposes":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"}],"escalation":[{"rung":"written_complaint","channel":"dispute-online","note":"Or dispute by mail (dispute-mail). Also dispute with the company that supplied the data."},{"rung":"regulator","regulator":"cfpb"},{"rung":"state_agency","agency_kind":"attorney_general"},{"rung":"small_claims"}],"playbooks":[{"issue":"credit_report_error","summary":"Get the report, dispute each wrong item online, by phone or by mail with proof, and also dispute it with the company that reported it.","evidence":["TransUnion credit report page with the error","proof of the correct information","copy of government ID","proof of current address"],"steps":[{"do":"Get a free TransUnion report from AnnualCreditReport.com and mark each wrong item.","channel":"annualcreditreport"},{"do":"File the dispute online and upload proof.","channel":"dispute-online"},{"do":"Or send a dispute letter that explains what is wrong and why, with copies of proof, by certified mail with a return receipt.","channel":"dispute-mail"},{"do":"Or dispute by phone.","channel":"consumer-phone"},{"do":"Dispute the item with the company that reported it, too."},{"do":"If TransUnion does not fix a verified error, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"deadline","claim":"The credit bureau has 30 days to investigate a dispute, however it is filed.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"kind":"process","claim":"The bureau must forward your evidence to the business that reported the information, give you the results in writing, and give you a free copy of the report if the dispute changes it.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"kind":"deadline","claim":"If a bureau decides a dispute is frivolous or irrelevant, it must notify you within five business days and explain why.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}]},{"issue":"debt_collection","summary":"Dispute a wrong collection account with TransUnion and ask the debt collector in writing for validation.","evidence":["collection letter","proof of payment or proof the debt is not yours","TransUnion credit report page with the collection"],"steps":[{"do":"Ask the debt collector in writing for the validation information (creditor name, amount, how to dispute). Keep copies.","note":"CFPB sample letters cover \"I do not owe this debt\" and \"I need more information about this debt\"."},{"do":"Dispute the collection account with TransUnion online or by mail. Attach proof of payment or proof the debt is not yours.","channel":"dispute-online"},{"do":"If the collector or TransUnion does not correct it, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"limit","claim":"A credit reporting company generally can report most negative information for seven years; bankruptcies can stay for up to ten years.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-long-does-negative-information-remain-on-my-credit-report-en-323/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Debt collectors generally must provide validation information within five days of the initial communication; some requests must be made within 30 days of being contacted.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-a-debt-collector-has-reported-a-debt-on-my-credit-report-that-isnt-mine-en-1695/","last_verified":"2026-10-12"}]},{"issue":"fraud","summary":"For identity theft, place a free fraud alert (one bureau tells the other two) and a free security freeze at each bureau.","evidence":["FTC Identity Theft Report or police report (for an extended alert)","copy of government ID","proof of address"],"steps":[{"do":"Place a fraud alert. One placed at Equifax or Experian also reaches TransUnion.","channel":"credit-help"},{"do":"Place a security freeze with TransUnion online or by phone. Repeat at Equifax and Experian, because a freeze is per bureau.","channel":"freeze-online"},{"do":"Dispute accounts you did not open.","channel":"dispute-online"}],"facts":[{"kind":"limit","claim":"An initial fraud alert lasts one year and can be renewed; an extended fraud alert lasts seven years; an active duty alert lasts one year.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"kind":"process","claim":"The credit bureau you contact must tell the other two to place an initial fraud alert on your credit report.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"kind":"deadline","claim":"A bureau must place a freeze within one business day of a phone or online request and lift it within one hour; for a mailed request it has up to three business days.","issues":["fraud"],"source":"https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-freeze-or-security-freeze-on-my-credit-report-en-1341/","last_verified":"2026-10-12"}]}],"facts":[{"kind":"fee","claim":"There is no cost to place or lift a credit freeze, and a freeze lasts until you lift it.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"kind":"policy","claim":"The three bureaus have permanently extended the program that lets you check your credit report from each of them once a week for free at AnnualCreditReport.com.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"}],"tips":[{"kind":"official","text":"The CFPB recommends sending a dispute to the company that reported the information by certified mail; the furnisher generally must respond within 30 days.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}],"known_blockers":["The online dispute redirects to a TransUnion sign-in page; the account holder must sign in or create an account.","transunion.com and service.transunion.com blocked automated page fetches (HTTP 403) on 2026-10-12."]},"playbooks":{"credit_report_error":{"company":{"id":"transunion","name":"TransUnion","sector":"credit_bureau","website":"https://www.transunion.com/","account_url":null},"issue":{"id":"credit_report_error","name":"Error on a credit report"},"playbook_source":"company","summary":"Get the report, dispute each wrong item online, by phone or by mail with proof, and also dispute it with the company that reported it.","evidence":["TransUnion credit report page with the error","proof of the correct information","copy of government ID","proof of current address"],"steps":[{"do":"Get a free TransUnion report from AnnualCreditReport.com and mark each wrong item.","channel":{"id":"annualcreditreport","type":"portal","label":"AnnualCreditReport.com (free reports from all three bureaus)","value":"https://www.annualcreditreport.com/index.action","purposes":["credit_report_error","debt_collection","fraud"],"access":"open","notes":"The only site authorized under federal law to fill orders for the free reports. It blocks some automated requests.","source":"https://www.annualcreditreport.com/index.action","last_verified":"2026-10-12"}},{"do":"File the dispute online and upload proof.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"do":"Or send a dispute letter that explains what is wrong and why, with copies of proof, by certified mail with a return receipt.","channel":{"id":"dispute-mail","type":"mail","label":"Credit report dispute by mail","value":"TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016","purposes":["credit_report_error","debt_collection"],"access":"open","notes":"Send a letter that explains what is wrong and why, with copies (not originals) of proof. The FTC suggests certified mail with a return receipt. TransUnion's own mail instructions are at https://www.transunion.com/customer-support/dispute-by-mail.","source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"}},{"do":"Or dispute by phone.","channel":{"id":"consumer-phone","type":"phone","label":"TransUnion consumer line (phone disputes, security freeze)","value":"+1-800-916-8800","hours":"Monday-Friday 8 a.m.-11 p.m. ET; Saturday and Sunday 8 a.m.-5 p.m. ET","purposes":["credit_report_error","debt_collection","fraud"],"notes":"The CFPB lists this number to dispute by phone, to freeze a report, and as the direct company contact. For reports in Spanish, choose option 2.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"do":"Dispute the item with the company that reported it, too."},{"do":"If TransUnion does not fix a verified error, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"dispute-mail","type":"mail","label":"Credit report dispute by mail","value":"TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016","purposes":["credit_report_error","debt_collection"],"access":"open","notes":"Send a letter that explains what is wrong and why, with copies (not originals) of proof. The FTC suggests certified mail with a return receipt. TransUnion's own mail instructions are at https://www.transunion.com/customer-support/dispute-by-mail.","source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"id":"consumer-phone","type":"phone","label":"TransUnion consumer line (phone disputes, security freeze)","value":"+1-800-916-8800","hours":"Monday-Friday 8 a.m.-11 p.m. ET; Saturday and Sunday 8 a.m.-5 p.m. ET","purposes":["credit_report_error","debt_collection","fraud"],"notes":"The CFPB lists this number to dispute by phone, to freeze a report, and as the direct company contact. For reports in Spanish, choose option 2.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"annualcreditreport","type":"portal","label":"AnnualCreditReport.com (free reports from all three bureaus)","value":"https://www.annualcreditreport.com/index.action","purposes":["credit_report_error","debt_collection","fraud"],"access":"open","notes":"The only site authorized under federal law to fill orders for the free reports. It blocks some automated requests.","source":"https://www.annualcreditreport.com/index.action","last_verified":"2026-10-12"},{"id":"annualcreditreport-phone","type":"phone","label":"Annual Credit Report request line","value":"+1-877-322-8228","purposes":["credit_report_error"],"source":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/trans-union/","last_verified":"2026-10-12"},{"id":"annualcreditreport-mail","type":"mail","label":"Annual Credit Report request by mail","value":"Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281","purposes":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"}],"facts":[{"kind":"deadline","claim":"The credit bureau has 30 days to investigate a dispute, however it is filed.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"kind":"process","claim":"The bureau must forward your evidence to the business that reported the information, give you the results in writing, and give you a free copy of the report if the dispute changes it.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"kind":"deadline","claim":"If a bureau decides a dispute is frivolous or irrelevant, it must notify you within five business days and explain why.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"kind":"policy","claim":"The three bureaus have permanently extended the program that lets you check your credit report from each of them once a week for free at AnnualCreditReport.com.","issues":["credit_report_error"],"source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"}],"rules":{"in_force":[{"id":"fcra-dispute","title":"Fair Credit Reporting Act dispute rights (credit bureaus and furnishers)","citation":"15 U.S.C. 1681i; 15 U.S.C. 1681j(a)(3); 12 CFR 1022.43 (Regulation V)","jurisdiction":"us-federal","status":"in_effect","summary":"A consumer can dispute inaccurate or incomplete information with a credit bureau, which must reinvestigate free of charge within 30 days (up to 15 more days in some cases), notify the furnisher within 5 business days, and delete or correct information that is inaccurate, incomplete or cannot be verified. A consumer can also dispute certain information directly with the company that furnished it.","source":"https://www.law.cornell.edu/uscode/text/15/1681i","last_verified":"2026-10-12","points":[{"kind":"deadline","claim":"The credit bureau must reinvestigate free of charge and finish \"before the end of the 30-day period beginning on the date on which the agency receives the notice\" of the dispute.","issues":["credit_report_error"],"source":"https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681i.htm","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The 30-day period may be extended \"for not more than 15 additional days\" if the bureau receives relevant information from the consumer during the 30 days. The extension does not apply if, during the 30 days, the information is found inaccurate or incomplete or the bureau finds it cannot be verified.","issues":["credit_report_error"],"source":"https://www.govinfo.gov/content/pkg/USCODE-2023-title15/html/USCODE-2023-title15-chap41-subchapIII-sec1681i.htm","last_verified":"2026-10-12"},{"kind":"deadline","claim":"A reinvestigation requested after the consumer receives a free annual report from a nationwide bureau \"shall be completed not later than 45 days after the date on which the request is received\".","issues":["credit_report_error"],"source":"https://www.law.cornell.edu/uscode/text/15/1681j","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The bureau must notify the furnisher of the dispute within 5 business days after receiving it, and must give the consumer written notice of the results not later than 5 business days after completing the reinvestigation. If it ends a dispute as frivolous or irrelevant, it must tell the consumer not later than 5 business days after that determination.","issues":["credit_report_error"],"source":"https://www.law.cornell.edu/uscode/text/15/1681i","last_verified":"2026-10-12"},{"kind":"policy","claim":"Information found inaccurate or incomplete, or that cannot be verified, must be promptly deleted or modified. Deleted information cannot be put back unless the furnisher certifies it is complete and accurate, and the consumer must be told in writing within 5 business days of reinsertion.","issues":["credit_report_error"],"source":"https://www.law.cornell.edu/uscode/text/15/1681i","last_verified":"2026-10-12"},{"kind":"process","claim":"If the reinvestigation does not resolve the dispute, the consumer may file a brief statement of the dispute. The bureau may limit it to one hundred words if it helps the consumer write a clear summary. On request, the bureau must send notice of a deletion or correction to recipients who got the report for employment purposes within the past two years, or for any other purpose within the past six months.","issues":["credit_report_error"],"source":"https://www.law.cornell.edu/uscode/text/15/1681i","last_verified":"2026-10-12"},{"kind":"process","claim":"Direct disputes with a furnisher (Regulation V): a furnisher must reasonably investigate a direct dispute about the consumer's liability on an account, the account terms, the consumer's conduct on the account, or other information bearing on creditworthiness. The dispute must go to the furnisher's direct-dispute address (an address on the credit report, an address the furnisher specified, or any business address if none was specified), identify the account and the disputed information, explain the basis, and include supporting documents.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The furnisher must complete its investigation of a direct dispute and report the results to the consumer within the same period a credit bureau has under FCRA section 611(a)(1). If it finds the information inaccurate, it must promptly notify each bureau it reported to and correct it.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","last_verified":"2026-10-12"},{"kind":"limit","claim":"A furnisher need not investigate direct disputes about identifying information (name, date of birth, Social Security number), employers, inquiries, public records, or fraud and active-duty alerts, or disputes it reasonably believes come from a credit repair organization. If it finds a dispute frivolous or irrelevant, it must tell the consumer within five business days, with its reasons.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[{"kind":"official","text":"The CFPB recommends sending a dispute to the company that reported the information by certified mail; the furnisher generally must respond within 30 days.","issues":["credit_report_error"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}],"escalation":[{"index":0,"rung":"written_complaint","note":"Or dispute by mail (dispute-mail). Also dispute with the company that supplied the data.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":3,"rung":"small_claims"}],"known_blockers":["The online dispute redirects to a TransUnion sign-in page; the account holder must sign in or create an account.","transunion.com and service.transunion.com blocked automated page fetches (HTTP 403) on 2026-10-12."],"security":{"official_domains":["transunion.com","annualcreditreport.com"],"never_asks":[],"known_scams":[{"kind":"policy","claim":"The FTC says an email, pop-up ad or phone call from someone claiming to be from AnnualCreditReport.com or any of the credit bureaus is probably a scam. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says only one website, AnnualCreditReport.com, is authorized to fill orders for the free annual credit reports you are entitled to by law. Other sites pretend to be associated with it or claim to offer free credit reports, free credit scores or free credit monitoring.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says companies that promise to repair your credit cannot remove true information, and it is illegal for credit repair companies to charge you before they help you. Scammers insist you pay first, tell you not to contact the credit bureaus directly, or tell you to lie on credit applications or file a false identity theft report.","source":"https://consumer.ftc.gov/articles/fixing-your-credit-faqs","last_verified":"2026-10-12"}],"report_phishing":[]},"credibility":{"grade":"A","primary_share":0.973,"sources":{"primary":36,"other":1},"verified_from":{"page":22},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 97% of 37 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"TransUnion is the publicly traded parent; the consumer credit file and dispute center are run by TransUnion LLC. In July 2025 TransUnion notified about 4.4 million people of a breach of a third-party application. In 2025-2026 TransUnion bought Monevo (UK) and moved to take majority control of Trans Union de Mexico; these do not change US consumer channels. transunion.com and service.transunion.com returned HTTP 403 to automated fetches on 2026-10-12, so the values below come from CFPB and FTC pages.","warnings":[]},"debt_collection":{"company":{"id":"transunion","name":"TransUnion","sector":"credit_bureau","website":"https://www.transunion.com/","account_url":null},"issue":{"id":"debt_collection","name":"Sent to collections"},"playbook_source":"company","summary":"Dispute a wrong collection account with TransUnion and ask the debt collector in writing for validation.","evidence":["collection letter","proof of payment or proof the debt is not yours","TransUnion credit report page with the collection"],"steps":[{"do":"Ask the debt collector in writing for the validation information (creditor name, amount, how to dispute). Keep copies.","note":"CFPB sample letters cover \"I do not owe this debt\" and \"I need more information about this debt\"."},{"do":"Dispute the collection account with TransUnion online or by mail. Attach proof of payment or proof the debt is not yours.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"do":"If the collector or TransUnion does not correct it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"dispute-mail","type":"mail","label":"Credit report dispute by mail","value":"TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016","purposes":["credit_report_error","debt_collection"],"access":"open","notes":"Send a letter that explains what is wrong and why, with copies (not originals) of proof. The FTC suggests certified mail with a return receipt. TransUnion's own mail instructions are at https://www.transunion.com/customer-support/dispute-by-mail.","source":"https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","last_verified":"2026-10-12"},{"id":"consumer-phone","type":"phone","label":"TransUnion consumer line (phone disputes, security freeze)","value":"+1-800-916-8800","hours":"Monday-Friday 8 a.m.-11 p.m. ET; Saturday and Sunday 8 a.m.-5 p.m. ET","purposes":["credit_report_error","debt_collection","fraud"],"notes":"The CFPB lists this number to dispute by phone, to freeze a report, and as the direct company contact. For reports in Spanish, choose option 2.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"annualcreditreport","type":"portal","label":"AnnualCreditReport.com (free reports from all three bureaus)","value":"https://www.annualcreditreport.com/index.action","purposes":["credit_report_error","debt_collection","fraud"],"access":"open","notes":"The only site authorized under federal law to fill orders for the free reports. It blocks some automated requests.","source":"https://www.annualcreditreport.com/index.action","last_verified":"2026-10-12"}],"facts":[{"kind":"limit","claim":"A credit reporting company generally can report most negative information for seven years; bankruptcies can stay for up to ten years.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/ask-cfpb/how-long-does-negative-information-remain-on-my-credit-report-en-323/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Debt collectors generally must provide validation information within five days of the initial communication; some requests must be made within 30 days of being contacted.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-a-debt-collector-has-reported-a-debt-on-my-credit-report-that-isnt-mine-en-1695/","last_verified":"2026-10-12"}],"rules":{"in_force":[{"id":"fcra-dispute","title":"Fair Credit Reporting Act dispute rights (credit bureaus and furnishers)","citation":"15 U.S.C. 1681i; 15 U.S.C. 1681j(a)(3); 12 CFR 1022.43 (Regulation V)","jurisdiction":"us-federal","status":"in_effect","summary":"A consumer can dispute inaccurate or incomplete information with a credit bureau, which must reinvestigate free of charge within 30 days (up to 15 more days in some cases), notify the furnisher within 5 business days, and delete or correct information that is inaccurate, incomplete or cannot be verified. A consumer can also dispute certain information directly with the company that furnished it.","source":"https://www.law.cornell.edu/uscode/text/15/1681i","last_verified":"2026-10-12","points_omitted":9,"points":[]},{"id":"fdcpa-reg-f-validation","title":"Debt validation notice and dispute period (FDCPA, Regulation F)","citation":"12 CFR 1006.34; 12 CFR 1006.38 (Regulation F)","jurisdiction":"us-federal","status":"in_effect","summary":"A third-party debt collector must give the consumer validation information, including an itemization of the debt and the date the validation period ends. If the consumer disputes the debt in writing within the validation period (30 days after the consumer receives or is assumed to receive the information), the collector must stop collecting until it sends verification of the debt.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12","points":[{"kind":"policy","claim":"Regulation F covers a debt collector: a person whose principal business purpose is collecting debts, or who regularly collects debts owed or asserted to be owed to another. It generally does not cover a creditor's own employees collecting in the creditor's name, or a person who got a debt before it was in default. A debt is a consumer obligation primarily for personal, family or household purposes.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The collector must give the validation information in the initial communication, or within five days after it, or orally in the initial communication.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The validation period ends \"30 days after the consumer receives or is assumed to receive the validation information\". The collector may assume receipt on any date \"at least five days (excluding legal public holidays identified in 5 U.S.C. 6103(a), Saturdays, and Sundays)\" after it provides the information. The notice must state the date the collector will treat as the end of the validation period.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"policy","claim":"The validation information includes the itemization date, the amount of the debt on that date, an itemization of interest, fees, payments and credits since then, the current amount, and a consumer response section with dispute prompts.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","last_verified":"2026-10-12"},{"kind":"process","claim":"\"Upon receipt of a dispute submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt, or any disputed portion of the debt,\" until it sends the consumer a copy of verification of the debt or of a judgment, in writing or electronically. A dispute sent through an electronic medium the collector accepts, such as its email address or website portal, counts as written.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the consumer asks in writing within the validation period for the name and address of the original creditor, the collector must stop collection until it provides that information.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"},{"kind":"policy","claim":"During the validation period the collector may not use collection activities or communications that overshadow or are inconsistent with the consumer's dispute rights. Failure to dispute does not count as a legal admission that the consumer owes the debt.","issues":["debt_collection"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"written_complaint","note":"Or dispute by mail (dispute-mail). Also dispute with the company that supplied the data.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":3,"rung":"small_claims"}],"known_blockers":["The online dispute redirects to a TransUnion sign-in page; the account holder must sign in or create an account.","transunion.com and service.transunion.com blocked automated page fetches (HTTP 403) on 2026-10-12."],"security":{"official_domains":["transunion.com","annualcreditreport.com"],"never_asks":[],"known_scams":[{"kind":"policy","claim":"The FTC says an email, pop-up ad or phone call from someone claiming to be from AnnualCreditReport.com or any of the credit bureaus is probably a scam. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says only one website, AnnualCreditReport.com, is authorized to fill orders for the free annual credit reports you are entitled to by law. Other sites pretend to be associated with it or claim to offer free credit reports, free credit scores or free credit monitoring.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says companies that promise to repair your credit cannot remove true information, and it is illegal for credit repair companies to charge you before they help you. Scammers insist you pay first, tell you not to contact the credit bureaus directly, or tell you to lie on credit applications or file a false identity theft report.","source":"https://consumer.ftc.gov/articles/fixing-your-credit-faqs","last_verified":"2026-10-12"}],"report_phishing":[]},"credibility":{"grade":"A","primary_share":0.973,"sources":{"primary":36,"other":1},"verified_from":{"page":22},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 97% of 37 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"TransUnion is the publicly traded parent; the consumer credit file and dispute center are run by TransUnion LLC. In July 2025 TransUnion notified about 4.4 million people of a breach of a third-party application. In 2025-2026 TransUnion bought Monevo (UK) and moved to take majority control of Trans Union de Mexico; these do not change US consumer channels. transunion.com and service.transunion.com returned HTTP 403 to automated fetches on 2026-10-12, so the values below come from CFPB and FTC pages.","warnings":[]},"fraud":{"company":{"id":"transunion","name":"TransUnion","sector":"credit_bureau","website":"https://www.transunion.com/","account_url":null},"issue":{"id":"fraud","name":"Fraud or scam"},"playbook_source":"company","summary":"For identity theft, place a free fraud alert (one bureau tells the other two) and a free security freeze at each bureau.","evidence":["FTC Identity Theft Report or police report (for an extended alert)","copy of government ID","proof of address"],"steps":[{"do":"Place a fraud alert. One placed at Equifax or Experian also reaches TransUnion.","channel":{"id":"credit-help","type":"portal","label":"TransUnion credit help (fraud alerts)","value":"https://www.transunion.com/credit-help","purposes":["fraud"],"notes":"The FTC links this page for TransUnion credit help and fraud alerts. A fraud alert placed at Equifax or Experian is also passed to TransUnion.","source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"}},{"do":"Place a security freeze with TransUnion online or by phone. Repeat at Equifax and Experian, because a freeze is per bureau.","channel":{"id":"freeze-online","type":"portal","label":"Security freeze","value":"https://www.transunion.com/credit-freeze","purposes":["fraud"],"notes":"Listed by the CFPB as TransUnion's freeze page. Whether an account is needed could not be confirmed.","source":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/trans-union/","last_verified":"2026-10-12"}},{"do":"Dispute accounts you did not open.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}}],"channels":[{"id":"consumer-phone","type":"phone","label":"TransUnion consumer line (phone disputes, security freeze)","value":"+1-800-916-8800","hours":"Monday-Friday 8 a.m.-11 p.m. ET; Saturday and Sunday 8 a.m.-5 p.m. ET","purposes":["credit_report_error","debt_collection","fraud"],"notes":"The CFPB lists this number to dispute by phone, to freeze a report, and as the direct company contact. For reports in Spanish, choose option 2.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"},{"id":"freeze-online","type":"portal","label":"Security freeze","value":"https://www.transunion.com/credit-freeze","purposes":["fraud"],"notes":"Listed by the CFPB as TransUnion's freeze page. Whether an account is needed could not be confirmed.","source":"https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/trans-union/","last_verified":"2026-10-12"},{"id":"credit-help","type":"portal","label":"TransUnion credit help (fraud alerts)","value":"https://www.transunion.com/credit-help","purposes":["fraud"],"notes":"The FTC links this page for TransUnion credit help and fraud alerts. A fraud alert placed at Equifax or Experian is also passed to TransUnion.","source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"id":"annualcreditreport","type":"portal","label":"AnnualCreditReport.com (free reports from all three bureaus)","value":"https://www.annualcreditreport.com/index.action","purposes":["credit_report_error","debt_collection","fraud"],"access":"open","notes":"The only site authorized under federal law to fill orders for the free reports. It blocks some automated requests.","source":"https://www.annualcreditreport.com/index.action","last_verified":"2026-10-12"}],"facts":[{"kind":"limit","claim":"An initial fraud alert lasts one year and can be renewed; an extended fraud alert lasts seven years; an active duty alert lasts one year.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"kind":"process","claim":"The credit bureau you contact must tell the other two to place an initial fraud alert on your credit report.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"},{"kind":"deadline","claim":"A bureau must place a freeze within one business day of a phone or online request and lift it within one hour; for a mailed request it has up to three business days.","issues":["fraud"],"source":"https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-freeze-or-security-freeze-on-my-credit-report-en-1341/","last_verified":"2026-10-12"},{"kind":"fee","claim":"There is no cost to place or lift a credit freeze, and a freeze lasts until you lift it.","issues":["fraud"],"source":"https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts","last_verified":"2026-10-12"}],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"written_complaint","note":"Or dispute by mail (dispute-mail). Also dispute with the company that supplied the data.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":3,"rung":"small_claims"}],"known_blockers":["The online dispute redirects to a TransUnion sign-in page; the account holder must sign in or create an account.","transunion.com and service.transunion.com blocked automated page fetches (HTTP 403) on 2026-10-12."],"security":{"official_domains":["transunion.com","annualcreditreport.com"],"never_asks":[],"known_scams":[{"kind":"policy","claim":"The FTC says an email, pop-up ad or phone call from someone claiming to be from AnnualCreditReport.com or any of the credit bureaus is probably a scam. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says only one website, AnnualCreditReport.com, is authorized to fill orders for the free annual credit reports you are entitled to by law. Other sites pretend to be associated with it or claim to offer free credit reports, free credit scores or free credit monitoring.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says companies that promise to repair your credit cannot remove true information, and it is illegal for credit repair companies to charge you before they help you. Scammers insist you pay first, tell you not to contact the credit bureaus directly, or tell you to lie on credit applications or file a false identity theft report.","source":"https://consumer.ftc.gov/articles/fixing-your-credit-faqs","last_verified":"2026-10-12"}],"report_phishing":[]},"credibility":{"grade":"A","primary_share":0.973,"sources":{"primary":36,"other":1},"verified_from":{"page":22},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 97% of 37 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"context":{"dossier":true,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"TransUnion is the publicly traded parent; the consumer credit file and dispute center are run by TransUnion LLC. In July 2025 TransUnion notified about 4.4 million people of a breach of a third-party application. In 2025-2026 TransUnion bought Monevo (UK) and moved to take majority control of Trans Union de Mexico; these do not change US consumer channels. transunion.com and service.transunion.com returned HTTP 403 to automated fetches on 2026-10-12, so the values below come from CFPB and FTC pages.","warnings":[]}},"escalation":[{"index":0,"rung":"written_complaint","note":"Or dispute by mail (dispute-mail). Also dispute with the company that supplied the data.","channel":{"id":"dispute-online","type":"portal","label":"Online credit report dispute","value":"https://dispute.transunion.com/","purposes":["credit_report_error","debt_collection"],"access":"login","notes":"Redirects to the TransUnion sign-in page (https://service.transunion.com/dss/login.page?dest=dispute); the consumer must sign in or create an account.","source":"https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","last_verified":"2026-10-12"}},{"index":1,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":2,"rung":"state_agency","agency_kind":"attorney_general","agencies":"Ask for the person's state, then call find_regulators."},{"index":3,"rung":"small_claims"}],"security":{"official_domains":["transunion.com","annualcreditreport.com"],"never_asks":[],"known_scams":[{"kind":"policy","claim":"The FTC says an email, pop-up ad or phone call from someone claiming to be from AnnualCreditReport.com or any of the credit bureaus is probably a scam. AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says only one website, AnnualCreditReport.com, is authorized to fill orders for the free annual credit reports you are entitled to by law. Other sites pretend to be associated with it or claim to offer free credit reports, free credit scores or free credit monitoring.","source":"https://consumer.ftc.gov/articles/free-credit-reports","last_verified":"2026-10-12"},{"kind":"policy","claim":"The FTC says companies that promise to repair your credit cannot remove true information, and it is illegal for credit repair companies to charge you before they help you. Scammers insist you pay first, tell you not to contact the credit bureaus directly, or tell you to lie on credit applications or file a false identity theft report.","source":"https://consumer.ftc.gov/articles/fixing-your-credit-faqs","last_verified":"2026-10-12"}],"report_phishing":[]},"credibility":{"grade":"A","primary_share":0.973,"sources":{"primary":36,"other":1},"verified_from":{"page":22},"last_verified":"2026-10-12","oldest_verified":"2026-10-12","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 97% of 37 sources are the organization's own pages or government sites.","dossier_last_verified":"2026-10-12"},"dossier":{"title":"TransUnion — how complaints actually go","last_verified":"2026-10-12","file":"dossiers/transunion.md","markdown":"## In short\n\nDispute each wrong item with TransUnion first (online or by mail), keep the confirmation, and also dispute with the lender that reported it. If that fails, a CFPB complaint is the next step: in the 12 months to June 2026 TransUnion closed 45.0% of CFPB complaints with non-monetary relief, such as a correction, and through mid-2025 it took about 40 days on average to answer. Renters should know TransUnion's tenant screening unit was ordered to pay $15 million in 2023 over eviction record accuracy. If your data was in TransUnion's July 2025 breach, use the free monitoring it offers and freeze your credit. Get free reports only at AnnualCreditReport.com.\n\n## How complaints actually go\n\n- A CFPB complaint goes to TransUnion, which has up to 60 days to respond. TransUnion consistently took about 40 days on average from 2022 to mid-2025; in the most recent months the CFPB studied (to June 2025), all three nationwide bureaus averaged more than 50 days. [CFPB FCRA 611(e) report, December 2025](https://files.consumerfinance.gov/f/documents/cfpb_fcra-611e-report_2025-12.pdf)\n- About 90% of consumers who complain to the CFPB about a bureau say they disputed with it first; TransUnion's confirmation of a prior dispute rose from about 5% to 30% in 2022 and stayed near 30% through mid-2025. File the dispute with TransUnion first and keep the confirmation before you go to the CFPB. [CFPB FCRA 611(e) report, December 2025](https://files.consumerfinance.gov/f/documents/cfpb_fcra-611e-report_2025-12.pdf)\n- The CFPB's 2022 lawsuit against TransUnion and a former executive (filed April 12, 2022) was voluntarily dismissed with prejudice on February 28, 2025; the CFPB's page describes no settlement or payment. [CFPB enforcement action](https://www.consumerfinance.gov/enforcement/actions/transunion-et-al/)\n\n## What tends to work\n\n- A CFPB complaint after a failed dispute: in the 12 months to June 2026, 916,146 of 2,037,349 TransUnion complaints (45.0%) closed with non-monetary relief. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=TRANSUNION%20INTERMEDIATE%20HOLDINGS%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0)\n- If a freeze or lock request did not take effect, say so in writing with dates. A 2023 CFPB order found TransUnion failed to place or remove freezes and locks on time and told some consumers their requests had succeeded when they had not; it paid $3 million in redress and a $5 million penalty. The order was terminated on November 3, 2025. [CFPB enforcement action](https://www.consumerfinance.gov/enforcement/actions/transunion-trans-union-llc-and-transunion-interactive-inc/)\n- Write the complaint yourself and keep it accurate. In 2025 companies returned about 469,800 CFPB complaints as suspected fraud and 63,200 as coming from an unauthorized third party; one nationwide bureau accounted for more than 90% and more than 60% of these returns. The company takes no action on a returned complaint, and it is not published. [CFPB 2025 Consumer Response Annual Report](https://files.consumerfinance.gov/f/documents/cfpb_2025-cr-annual-report_2026-03.pdf)\n\n## Traps and fine print\n\n- Tenant screening reports: in 2023 the CFPB and FTC found TransUnion Rental Screening Solutions did not follow reasonable procedures for the accuracy of eviction records and did not name the vendors that supplied criminal and eviction records in consumer disclosures. The order required $11 million in redress and a $4 million penalty. [CFPB enforcement action](https://www.consumerfinance.gov/enforcement/actions/transunion-rental-screening-solutions-inc-and-trans-union-llc/)\n- Credit repair companies cannot remove accurate information, and it is illegal for them to charge you before they help you. Anything they can do legally, you can do yourself for little or no cost. [FTC: fixing your credit FAQs](https://consumer.ftc.gov/articles/fixing-your-credit-faqs)\n- Credit reporting complaints to the CFPB in 2025 were 182% above the monthly average of the prior two years; the CFPB links the growth partly to third parties, including credit repair organizations and social media \"finfluencers\", using the complaint process. [CFPB 2025 Consumer Response Annual Report](https://files.consumerfinance.gov/f/documents/cfpb_2025-cr-annual-report_2026-03.pdf)\n\n## By the numbers\n\n- CFPB complaints received July 1, 2025 to June 30, 2026 for \"TRANSUNION INTERMEDIATE HOLDINGS, INC.\": 2,037,349, the most of any company in the database, of which 2,014,919 were about credit or consumer reports. Top issues: incorrect information on a report 1,195,073, improper use of a report 454,514, the company's investigation into an existing problem 360,082. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=TRANSUNION%20INTERMEDIATE%20HOLDINGS%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0)\n- Of those complaints, 1,121,200 (55.0%) closed with explanation, 916,146 (45.0%) with non-monetary relief and 1 with monetary relief; 2 were in progress. All were marked timely. Data retrieved 2026-10-12. [CFPB complaint database search](https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/?company=TRANSUNION%20INTERMEDIATE%20HOLDINGS%2C%20INC.&date_received_min=2025-07-01&date_received_max=2026-06-30&size=0)\n- July 28, 2025 breach: names, Social Security numbers and dates of birth of 4,461,511 people were stored in a third-party application that was breached; TransUnion said its core credit database and credit reports were not involved, and offered 24 months of free credit monitoring. [SecurityWeek, August 29, 2025](https://www.securityweek.com/transunion-data-breach-impacts-4-4-million/)\n\n## Scams that target customers\n\n- Fake free-report sites: there is only one authorized place for the free credit reports you are entitled to by law, AnnualCreditReport.com. Other sites pretend to be associated with it, use \"free report\" in their names, or misspell the address. [FTC: free credit reports](https://consumer.ftc.gov/articles/free-credit-reports)\n- AnnualCreditReport.com and the credit bureaus will not email you asking for your Social Security number or account information; a call from someone claiming to be from a credit bureau is probably a scam. [FTC: free credit reports](https://consumer.ftc.gov/articles/free-credit-reports)\n- Credit repair scams insist you pay before they help, tell you not to contact the credit bureaus, or tell you to dispute accurate information or file a false identity theft report. [FTC: fixing your credit FAQs](https://consumer.ftc.gov/articles/fixing-your-credit-faqs)\n"},"guide":{"key":"credit_bureau","title":"Credit bureaus — how disputes and complaints work","last_verified":"2026-10-12","file":"guides/credit_bureau.md","page":"https://escalate.alexgaoth.com/#/guides/credit_bureau"}}