How to Dispute Inquiries With TransUnion
- 1). Write down a list of the unauthorized inquiries appearing on your TransUnion credit file. These should be lenders with which you never made a credit application or had an account. Remember that your current financial institutions, such as a credit card company, do have the right to view your credit reports at any time.
- 2). Call TransUnion at 1-800-916-8800. Tell the customer service representative that you have unauthorized inquiries on your credit report and that you wish to dispute them.
- 3). Write a letter disputing the unauthorized TransUnion inquiries as an alternative to calling. You should note that you did not apply for credit and/or do not have credit with the company in question, and that you wish the inquiries be immediately removed. Send your letter certified mail to TransUnion, 2 Baldwin Place, P.O. Box 2000, Chester, PA 19022.
- 4). Wait about 30 to 45 days to receive a response. If TransUnion will not remove the inquiries after their first investigation, you may wish to send another letter and/or contact the lender who pulled your credit reports.
