How to fix incorrect account status on TransUnion
Closed an account but it’s still showing as open on your TransUnion report? Paid off a default but it’s not marked as satisfied? These status errors mislead lenders about where you stand.
The quickest fix is usually to contact the lender directly — they control the data reported to TransUnion.
Key takeaways
- Free to dispute — your legal right under CCA s.159 and UK GDPR.
- TransUnion must respond within 28 days.
- Lender has 28 days to respond to TransUnion’s enquiry.
- Check your TransUnion report free via Credit Karma.
How to dispute with TransUnion
Go to transunionstatreport.co.uk and dispute the entry. Upload evidence of the correct status.
TransUnion places a Notice of Dispute while investigating.
TransUnion-specific tips
If the lender doesn’t respond to TransUnion within 28 days, TransUnion’s policy is to suppress or remove the disputed data.
Evidence you’ll need
- Prepare your account closure confirmation letter, final statement showing zero balance, settlement agreement with proof of payment, or receipt confirming a default has been satisfied. Written confirmation from the lender is essential evidence.
- TransUnion accepts up to 5 documents per dispute in JPG, JPEG, PDF, or TIFF format. Upload via transunionstatreport.co.uk or email to [email protected]. You can also post to PO Box 647, Unit 4, Hull, HU9 9QZ.
Timeline
Status corrections on TransUnion usually resolve within 2–4 weeks. The lender has 28 days to respond. TransUnion places a Notice of Dispute (NOD) on the entry during investigation, visible to lenders checking your file.
If the lender doesn’t respond within 28 days, TransUnion’s policy is to suppress or remove the disputed data. After correction, Credit Karma users should allow an extra 7 days for the status update to appear.
If your dispute is rejected
If the lender refuses to correct the account status, escalate to the Financial Ombudsman Service with your documentary evidence.
TransUnion must acknowledge formal complaints within 5 working days and respond within 8 weeks. Email [email protected] or post to PO Box 647, Hull, HU9 9QZ.
FAQs
Does a satisfied default get removed from TransUnion?
No. A satisfied default stays for 6 years from the original default date. “Satisfied” means it’s been paid, which looks better than unsatisfied, but it’s still visible.
Dispute this on another CRA
Other disputes on TransUnion
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