How Do I Upload Documents to TransUnion?

The below content will be converted to HTML following it's exact instructions:

Pick the method that matches your timeline, file format, and comfort level.

• Online upload via the TransUnion dispute portal: fastest turnaround, works with scanned PDFs, JPGs, or PNGs under the size limits you'll confirm later; ideal if you have a computer or smartphone and can log in.
• Fax to TransUnion (1‑800‑xxx‑xxxx): good when you need a paper‑trail and can't scan; send a clear black‑and‑white copy, include a cover sheet with your dispute reference, and keep the fax confirmation page.
• Mail (USPS, FedEx, or UPS): best for original documents or when you prefer certified mail; include a brief cover letter, your full name, SSN, and dispute ID, then use tracking for proof of delivery.

The TransUnion dispute portal lets you upload supporting files in just a few clicks.

1. Open a browser, go to TransUnion online dispute portal guide, and sign in with your account credentials.
2. Click Dispute Center on the dashboard, then select the credit report entry you want to challenge.
3. Choose Add Documents or Upload Evidence beside the dispute description.
4. Prepare each file as PDF, JPG, or PNG; keep size under 10 MB per file (typical limits). Rename files clearly, e.g., 'Doe_UtilityBill_01.pdf'.
5. Drag the file into the upload box or click Browse to locate it on your computer.
6. (Optional) Add a brief note explaining the document's relevance; this helps the reviewer.
7. Click Submit; a confirmation screen appears and a reference number emails to you.

Your upload is now in TransUnion's queue; next sections cover mailing/fax alternatives and how to track the dispute's progress.

TransUnion accepts mailed or faxed dispute documents at its dedicated address and fax line. Send a one‑page cover sheet that lists your full name, current address, Social Security number (or ITIN), and the dispute reference number you received from the dispute portal. Enclose only the original documents that support your claim - ID, billing statements, or court orders - clearly labeled and organized.

Mail the package to:

TransUnion Consumer Solutions

P.O. Box 2000

Chester, PA 19016

or fax it to 800‑916‑8800, requesting a transmission receipt. Use certified mail with a return receipt for tracking; for fax, save the confirmation page as proof of delivery.

Expect TransUnion to acknowledge receipt within 5 business days and to complete its investigation in about 30‑45 days. Keep copies of everything you send, and note that this physical method is useful if you cannot upload files online, as discussed in the 'pick the right TransUnion upload method for you' section.

Your mailed or faxed evidence will feed directly into the next step - uploading the five most common dispute documents - so ensure it's legible and complete before moving on.

• Proof of identity (driver's license, passport) - confirms you are the rightful consumer
• Recent pay stub or tax return - validates income‑related inquiries
• Bank or credit‑card statement - shows account activity or balances
• Medical bill, explanation of benefits, or insurance statement - resolves health‑care entries
• Police report or identity‑theft affidavit - backs fraud or unauthorized‑account disputes

TransUnion accepts PDFs, JPEGs, PNGs, GIFs, BMPs and TIFFs for online uploads via the dispute portal, and each file must stay under 5 MB; you can submit several files as long as the combined total does not exceed 20 MB, so larger documents should be compressed or split before you upload  -  the same formats apply to any image‑based evidence, while DOC/DOCX files are not supported;

if you choose to send documents by mail or fax, size limits no longer apply, but keep the files legible and clearly labeled. For the official specifications see the TransUnion document upload guide.

Encrypt and password‑protect every file before you upload it to the TransUnion dispute portal, and always use a secure HTTPS connection on a trusted network. Redact any data that isn't required for the dispute, store the password in a separate note, and double‑check the TransUnion privacy policy for any additional safeguards.

When you send documents by mail or fax, seal them in an envelope, mark the fax cover sheet with 'confidential,' and choose certified or registered mail so you can track delivery. After TransUnion confirms receipt, shred any physical copies you no longer need to eliminate residual risk.

• TransUnion rejects an upload when the file fails type, size, naming, or connection checks; fixing the highlighted issue resolves the error.
• 'File type not supported' - use only PDF, JPEG, PNG, GIF, BMP, TIFF, or DOCX files and keep each under 5 MB; convert other formats beforehand.
• 'File too large' - compress the PDF, resize images, or split the document into multiple files that each meet the size limit.
• 'Upload timed out' - switch to a wired connection, clear browser cache, and retry with Chrome or Firefox; avoid uploading many pages at once.
• 'Invalid characters in file name' - rename the file using only letters, numbers, hyphens, or underscores; remove spaces and special symbols.
• 'Duplicate document detected' - delete the earlier version or use the 'Replace' option; if the problem persists, contact TransUnion support page.

You can monitor a submission the same way you sent it, and TransUnion usually updates the case within a predictable window.

• Online upload (dispute portal) - After you click 'Submit' the portal shows a confirmation number and sends an email receipt. Log into 'My Disputes' to see status tags such as 'Received', 'Under Review', and 'Resolved'. Expect the first review within 5‑7 business days; the entire investigation can stretch to 30 days if TransUnion requests more evidence. Email alerts appear automatically when the status changes.
• Mail or fax - Keep the certified‑mail receipt or fax transmission report; both contain a tracking number. Call the consumer hotline (1‑800‑916‑8800) and quote that number to get a live update. Typical processing time is 30 days after TransUnion logs the documents, with a possible extension to 45 days for identity‑verification steps.
• General tip - Write the reference or case number on every page you send, and enable the portal's 'Notify me by email' option so you don't have to check manually.

These methods let you stay informed until the next section, 'handle TransUnion follow‑up document requests quickly'.

Respond to TransUnion's follow‑up document request by uploading the exact files they asked for, or mailing/faxing them, within the stated deadline.

1. Open the request email or portal notification; note the case number, deadline (usually 30 days), and required document types.
2. Locate each requested item in your records; if a document is missing, request a copy from the original source immediately.
3. Scan or photograph the files, then convert them to an accepted format (PDF, JPEG, PNG) and keep each under the 5 MB limit confirmed in the 'confirm accepted file types and size limits' section.
4. For an online response, log into the TransUnion dispute portal, click 'Upload Additional Documents,' select the case number, and attach the prepared files.
5. If you prefer physical delivery, place the originals and a cover sheet with the case number in a sealed envelope and send it to the address listed in the request, or fax to the number provided; include a brief note linking the fax to the case number.
6. After uploading or mailing, return to the portal (or call the reference line) to confirm receipt; note the confirmation timestamp in your own log and monitor the case status as described in the 'track your submission and expected TransUnion timelines' section.

A change in the TransUnion scoring model or a routine algorithm update can cause your TransUnion credit score to shift even when your TransUnion credit report shows no new activity, because the weight assigned to each factor may have been revised, a new version such as VantageScore 4.0 may have replaced an older one, or the lender‑specific scoring formula was tweaked; this could have lowered your number without any late payment, balance spike, or inquiry,

and you'll often see a different 'score version' label appear on the latest pull, so compare the current score to the one you saw a few months ago, note the version change, and remember that future updates may swing the score again as the model continues to evolve (TransUnion scoring model overview).

An authorized representative can submit your documents to TransUnion by providing a signed power‑of‑attorney or written authorization letter, then using the same upload or mail/fax channels you would. Include the representative's full name, contact details, and your dispute reference number on the authorization;

the rep can log into the dispute portal with your credentials or attach the letter as a separate file when uploading. For full guidelines see TransUnion authorized representative guidelines.

When sending physical copies, the representative should mail or fax the documents to the address or number listed in the portal, enclosing the authorization letter on the first page. Clearly label the envelope or fax cover sheet with your dispute ID and the rep's name; TransUnion typically acknowledges receipt within 10 business days. This method mirrors the steps outlined earlier for direct uploads, ensuring the rep's submission is processed without delay.