If you find items on your TransUnion credit report that you believe are unfair or inaccurate you have a right to dispute them. TransUnion is required by law to respond to you within a certain amount of time (usually 30 days) regarding false and/or inaccurate information.

When you contact any credit bureau be specific as to the inaccuracies and address them directly, with as much documentation as you can. Be straightforward about the inaccuracy, explaining why you believe it’s inaccurate. Remember that TransUnion is receiving thousands of inquiries like yours every day.

Here’s a sample of wording you can use when corresponding with TransUnion via a dispute letter.

(Current Date) TransUnion P.O. Box 2000 Chester, PA 19022

I recently reviewed my credit report from your agency, and I am writing this letter to request that the following inaccurate information be removed from my file immediately. Enclosed, for your reference, is a copy of the credit report I received. The items in question are circled in red.

Late Payment to Joe’s Discount Mart: Attached please find cancelled checks of payments made by me to this account. Please note that all payments were made in a timely manner. I am also attaching copies of statements from this account indicating payments received on time.

Late Payment to Bob’s Toyota: This debt belongs to my ex-husband as per our agreement with the court. Attached please find documentation from the court supporting this fact.

I request that you investigate these claims as soon as possible and have these items removed immediately. If any of these accounts are verified, please furnish me with the name and address of the verifying party, the method of verification, and the reported first delinquency from the original creditor.

Thank you for your cooperation in investigating and correcting my credit report.

Sincerely,