Consumer Disputes

If you have identified information in your credit file that is incomplete or inaccurate, you have the right under the Fair Credit Reporting Act (FCRA) to report it to the consumer reporting agency, and the agency must investigate.

By law inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

If you need to dispute information on a credit report that was provided to your lender by UniversalCIS you can download our Dispute Form here. Once you’ve completed the form, please submit it to the following address:

UniversalCIS

370 Reed Road, Suite 100

Broomall, PA 19008

Ph: 610-284-1000

 Once we’ve received your request, we will forward your request to the credit repositories that provided the data to UniversalCIS (please note that UniversalCIS does not have the ability to make corrections or add any statements to your personal credit report). Once we are notified of the results, we will promptly convey the outcome of the re-investigation to you. We recommend additional follow-up with each credit repository directly to ensure any changes are permanently corrected in their database(s).

TransUnion

P.O. Box 1000
Chester, PA 19022
(800) 888-4213
www.transunion.com

Experian

P.O. Box 2002
Allen, TX 75013
(888) 397-3742
www.experian.com

Equifax

P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
www.equifax.com

LexisNexis

LexisNexis Risk Solutions Bureau, LLC

RiskView Consumer Inquiry Dept
P.O. Box 105108
Atlanta, GA 30348-5108
(866) 897-8126

If you would like to order a copy of your free annual personal credit report from the three (3) national credit reporting agencies – Trans Union, Experian, Equifax – please contact the Annual Credit Report Request Service at:

Annual Credit Report Request Service
1-877-322-8228
www.annualcreditreport.com

 

For a full explanation of the dispute process, visit ftc.gov/credit.

Find helpful credit resources and tools. 

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