How to dispute an incorrect balance on TransUnion
Your TransUnion report says you owe more than you actually do? That can inflate your credit utilisation and drag your score down. But before you dispute, check the “last updated” date — balances can lag by 4–6 weeks.
If it’s not just a timing issue, here’s how to get it fixed with 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, find the account, and click “Something not right?”. Upload your latest statement showing the correct balance.
TransUnion contacts the lender. If they don’t respond within 28 days, TransUnion’s policy is to suppress or remove the disputed data.
TransUnion-specific tips
If you spotted the balance error on Credit Karma, remember that Credit Karma refreshes weekly. The TransUnion statutory report site shows the most current data.
Evidence you’ll need
- Gather your latest lender statement showing the actual balance, bank statements proving payments, payment receipts, and any settlement letter. The lender statement is the strongest evidence since it comes directly from the data source.
- TransUnion accepts up to 5 documents per dispute in JPG, JPEG, PDF, or TIFF format. Upload at transunionstatreport.co.uk or email to [email protected]. If you spotted the error on Credit Karma, note that Credit Karma refreshes weekly — the TransUnion statutory report site shows the most current data.
Timeline
TransUnion contacts the lender. The lender has 28 days to respond. Balance corrections are normally straightforward — expect resolution within 2–3 weeks. TransUnion places a Notice of Dispute (NOD) on the entry during investigation, visible to lenders.
If the lender doesn’t respond within 28 days, TransUnion’s policy is to suppress or remove the disputed data. Credit Karma users should allow an extra 7 days for the balance update to appear.
If your dispute is rejected
If the lender maintains an incorrect balance, 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
Why does my TransUnion balance differ from my lender statement?
Lenders report to CRAs monthly. Your TransUnion balance may be 4–6 weeks behind your actual balance. Check the “last updated” date on the entry.
Dispute this on another CRA
Other disputes on TransUnion
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