TransUnion Dispute Address: Where to Mail a Dispute to TransUnion

The TransUnion dispute mailing address

This is the recipient string on TransUnion's dispute-by-mail page, and TransUnion's downloadable mailing label prints it character for character. TransUnion notes on the same page that it accepts either standard or certified mail.

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

19016 or 19022? The variations you will see elsewhere

TransUnion's own documents disagree with each other on the ZIP code, and other official sources add a third recipient line. TransUnion's live dispute page and mailing label print Chester, PA 19016-2000. TransUnion's Request for Investigation PDF, and Experian's dispute page when it lists the other bureaus, print Chester, PA 19022-2000. TransUnion's fraud alert page prints 19016 with no ZIP+4. The CFPB's sample letter and the FTC's article print 'TransUnion LLC Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016'. Every version names the same P.O. Box 2000 in Chester, Pennsylvania. This page prints the string TransUnion itself publishes today, on its live page and label, and records the source and date; if in doubt, use the address printed on your own TransUnion report.

Dispute with TransUnion online or by phone instead

Online: TransUnion's Request for Investigation form and the CFPB both point to dispute.transunion.com, which opens the TransUnion Service Center login. TransUnion's dispute landing page says to create a free TransUnion Service Center account to get started. Online is the fastest way to file and the route TransUnion presents first.

Phone: TransUnion's Consumer Relations team is at 800-916-8800. The dispute page lists Monday through Friday from 8 a.m. Eastern with a 10 p.m. close and Saturday and Sunday 8 a.m. to 5 p.m. Eastern; TransUnion's fraud alert FAQ and the CFPB list the weekday close as 11 p.m. Eastern. Calling before 10 p.m. on a weekday avoids the discrepancy.

Mail: the route that lets you enclose copies of documents and keep a dated record of delivery. There is no charge for a dispute by any route.

What to include, per TransUnion's page and form

TransUnion's dispute-by-mail page asks you to provide as much of the following as possible. Its printable Request for Investigation form adds a few fields, and it says the results report is mailed to you by first-class U.S. mail.

• Personal information: your name, date of birth, address and Social Security number.
• The name of the company that reported the item you are disputing and the partial account number, taken from your TransUnion credit report.
• The reason for your dispute, for each item.
• Any corrections to your personal information, such as address or phone number.
• Fields on the Request for Investigation form: your TransUnion File Number (FIN) if you have one, other names you have used, telephone numbers, employer and driver's license number.
• Copies of documents that support your dispute. TransUnion's page does not address originals; the CFPB and FTC both say to send copies and keep originals.

• Proof of identity
• Proof of address
• Credit dispute letter templates

Identity theft: how TransUnion describes its Section 605B block process

TransUnion is the only one of the three bureaus with a public page that states the four-business-day block commitment in its own words. Its credit fraud page says TransUnion can block fraudulent information from your report if you send a valid identity theft report, gives examples of a valid report (a signed report filed with a federal, state or local law enforcement agency, an electronic Identity Theft Report filed with the FTC at identitytheft.gov, or a U.S. Postal Inspection Service report), and asks that the submission also include your proof of identity, a certification that you were a victim of identity theft with the dates the fraud occurred, and a list of every item reported inaccurately because of fraud. By mail, TransUnion says to include a letter that identifies the fraudulent information on your report plus proof of your identity. TransUnion states that it will review the information and, if acceptable, block the applicable items within four business days of receipt.

TransUnion's Fraud Victim Assistance Department shares the dispute box, P.O. Box 2000, Chester, PA 19016-2000, and has its own phone line, 800-680-7289. Under FCRA Section 605B, a bureau must block information you identify as resulting from identity theft within 4 business days of receiving a complete request containing proof of identity, a copy of an identity theft report, identification of the specific information, and a statement that the information does not relate to any transaction of yours. TransUnion may decline to block, or may later rescind a block, in the circumstances the statute lists, and this route is only for information that actually resulted from identity theft.

• FCRA 605B Guide
• Identity Theft Dispute Packet
• Sample 605B block letter

How the FCRA Section 611 timeline applies to a TransUnion dispute

TransUnion's form says a report reflecting the results of the investigation is usually mailed within 30 days of the date TransUnion receives the request. The federal deadlines behind that statement come from 15 U.S.C. § 1681i and § 1681j.

In short: under FCRA Section 611 the bureau must complete a reasonable reinvestigation within 30 days of receiving your dispute, forward it to the furnisher within 5 business days, and send written results not later than 5 business days after it finishes. The 30 days can extend by up to 15 days if you send more relevant information during the window, and Section 612 allows up to 45 days when the dispute follows a free annual report. A bureau may decline a dispute it reasonably determines is frivolous or irrelevant and must tell you so within 5 business days of that determination. The hub page walks through each of these windows with its subsection citation.

• Section 611 timeline, step by step
• Bureau response timeline

Certified mail to TransUnion

TransUnion is explicit: it accepts either standard or certified mail, and its extended fraud alert page adds that certified mail is not required. The CFPB and FTC still suggest certified mail with a return receipt because the receipt gives you a dated record of when TransUnion had your dispute, which is the date the Section 611 window opens. Keep a copy of the form or letter and every enclosure.

• Certified mail for credit disputes

After TransUnion sends its results

TransUnion's dispute FAQ says that if its investigation has not resolved your dispute, you may add a statement of 100 words or less to your credit file, which matches the 100-word limit FCRA Section 611(b) allows. Under Section 611(c) the statement or a summary of it must accompany the item in later reports.

If you believe TransUnion did not follow the reinvestigation procedure or the deadlines above, you can submit a complaint to the CFPB, which forwards it to TransUnion for a response.

• CFPB complaint after denial

Sources

Every address, phone number, URL and deadline above was checked against the official page listed here on 2026-09-03. Bureaus move mailboxes and change hours without notice; the address printed on your own credit report is the most current one for your file.

1. TransUnion: Dispute your credit by mail or phone (checked 2026-09-03)
2. TransUnion printable dispute-by-mail mailing label (PDF) (checked 2026-09-03)
3. TransUnion Request for Investigation form (PDF) (checked 2026-09-03)
4. TransUnion: Dispute your credit (online) (checked 2026-09-03)
5. TransUnion: Credit fraud and identity theft (checked 2026-09-03)
6. TransUnion: Important contacts for fraud victims (checked 2026-09-03)
7. TransUnion: Add a fraud alert by mail or phone (checked 2026-09-03)
8. CFPB: How do I dispute an error on my credit report? (checked 2026-09-03)
9. CFPB: How long does it take to resolve an error on a credit report? (checked 2026-09-03)
10. FTC: Disputing errors on your credit reports (checked 2026-09-03)
11. FTC: Fixing your credit FAQs (accurate information cannot be removed) (checked 2026-09-03)
12. FCRA Section 611, 15 U.S.C. § 1681i (reinvestigation procedure and timelines) (checked 2026-09-03)
13. FCRA Section 612, 15 U.S.C. § 1681j (45-day window after a free annual report) (checked 2026-09-03)
14. FCRA Section 605B, 15 U.S.C. § 1681c-2 (identity theft block) (checked 2026-09-03)