A dispute, also known as a Notice of Dispute (NOD), is raised against information within your credit report when you have notified TransUnion that it is incorrect. It means that the information is under investigation.
Disputes are free to raise, you can raise a dispute online by going to the relevant information you would like TransUnion to investigate within your online statutory credit report and select the ‘Raise a dispute’ button.
If you have been unable to get your statutory credit report online, you can request a copy of your credit report by paper here. Once you have seen a copy of your statutory credit report, you can raise a dispute by emailing us with details of your dispute here. Alternatively, you can write to us at:
TransUnion Consumer Services Team
PO BOX 647
If you raise a dispute, you’ll receive a dispute reference number and your dispute will be seen on your credit report and show as active until there is either an outcome to the dispute or 28 days have passed. TransUnion will contact you either by email or post when this happens.
If TransUnion has asked you to send further documentation to support your dispute, or to get more information on a dispute outcome, please contact our data disputes team quoting the dispute reference number here.
The process can be broken down into these 3 simple steps:
- You raise a dispute against information on your credit report.
TransUnion contacts the organisation who provided the information with your concerns or, if your dispute is against your Electoral Register or publicly available information, TransUnion will request evidence from you to support their investigation.TransUnion are not able to make any changes to information without first completing an investigation and where necessary receive authorisation from the organisation who provided the information.
- TransUnion will contact you with an outcome by email within 28 days from when you raised a dispute. TransUnion will send you an email to confirm the outcome of your dispute.
TransUnion will not send updates during the investigation period, but they will contact you by email with an outcome within 28 days of when you raised your dispute.
If you wish to cancel your dispute at any time, please contact the TransUnion customer services team here with your dispute reference number and instruction to cancel.
Please note, TransUnion cannot cancel a dispute once you’ve received an outcome because it will already be closed.
If TransUnion do not receive a response from the organisation who provided the information within 28 days of your dispute being raised, they will either remove the data you are disputing from your credit report or hide it from view; providing the dispute was not relying on TransUnion receiving supporting evidence from you, or that it is not currently been proven correct by other information on your credit report.
Please note that data can be resupplied or unsuppressed at any time by the information provider. This means the information will be seen again on your credit report.
Where a dispute investigation finds that the information is correct, it will stay on your credit report.
Information will also stay on your credit report if TransUnion have requested, but not received, supporting evidence within the 28-day timeframe.
Where your credit report information is correct, but you’d like to explain the reason behind an item, you can choose to add wording of your choice to your credit report by adding a Notice of Correction (NOC).
A NOC is free to add and has no impact on your credit score. However, having a NOC can slow down any future applications such as when you apply for a credit card or mortgage. This is because you will be removed from any automated decision making, so the organisation searching your credit report can read your NOC and manually assess your application.
To add a NOC to your credit report please submit your chosen wording here.
Or alternatively, you can write to TransUnion at:
Consumer Services Team
PO BOX 647
TransUnion will review your chosen wording to make sure it meets the following rules:
- Must be no longer than 200 words.
- Must be relevant to the information within your credit report.
- Must not be frivolous, defamatory, or libellous.
- Cannot name a third party.
- Cannot apportion blame.
- Cannot contain confidential personal information.
If your chosen wording does not meet these rules TransUnion may write to you to suggest alternative wording to use. If you disagree with TransUnion’s alternative wording, they can appeal to the Information Commissioner’s Office for final say on the wording before adding it to your credit report.
Please be aware that any NOCs which are added to your TransUnion credit report will not be shared with other Credit Reference Agencies (CRAs). You should therefore also contact the other CRAs to add a NO C to the information on the credit report held with them.
You can contact the other two CRAs using the following links:
You do not need to provide evidence regarding a dispute raised against:
- Financial account information
- People you have a financial connection with
- Address you have a financial connection with
- Other names you have been known by on financial documents
- Court orders or Judgments you do not recognise
You will need to provide evidence to support a dispute raised against:
- Electoral register information
- Court Orders (Bankruptcy and Insolvencies) that you do recognise
- Judgments (County court, high court, decree)
You will be notified if evidence is required, along with where to send it, when you raise a dispute.
If we do not receive supporting evidence within 28 days of your dispute being raised, then no further action will be taken by TransUnion and your dispute will be closed.
If you have any further questions on the information provided above, please refer to our Contact Us page about how to get in touch.