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We report your account to the credit bureaus as part of servicing it. If what they hold about you is wrong, that is worth fixing — it affects more than this account.
The three bureaus do not share information with each other. Experian, Equifax and TransUnion each hold their own file, and correcting one does nothing to the other two.Whatever you do below, do it at each bureau separately.

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Where to start

UAS primarily uses TransUnion, and Experian may also be used. So TransUnion is the sensible first stop — but only the first. Each lets you create an account, view your report, manage a freeze, and raise a dispute.

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Checking your report

Create an account with the bureau, then use their service center to view your file. You can review what is held about you — your name, addresses, and the accounts reported — and check it matches reality.

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Where to go at TransUnion

Since UAS uses TransUnion first, start there. Their Consumer Support page is the one place to do all of this, and you do not need an account to reach it. It opens with six self-serve options. Four of them cover everything on this page:
Checking your details? Choose Manage Your Information. That is the one for making sure your name and addresses are right — which is what matters if an application could not find your credit file.

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Correcting what a bureau holds

Manage Your Information walks you through it. TransUnion will ask you to verify your identity first.
Some changes can be made online; others have to be sent by mail. TransUnion decides which is which, and a mailed correction takes longer.If you are in the middle of a credit application, do not wait for a mailed correction to go through — an application closes 30 days after you applied. See when we cannot find your credit report for what to do instead.
For an item on your report you believe is wrong, rather than your own details, use Dispute Credit Report. You describe what is wrong and attach documentation, and TransUnion tells you how long their investigation will take. Experian and Equifax have equivalent support pages. Remember that correcting one bureau does nothing to the other two.

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Credit freezes and fraud alerts

A freeze stops new credit being opened in your name. It also stops a lender checking your credit when you apply for something.
If an application has stalled, a freeze is a common reason. You can lift a freeze temporarily and then let it go back on. You do not have to remove it permanently. If you are mid-application, go straight to if your credit file is frozen, which has the freeze line and what to say to get through the menu.
To lift a TransUnion freeze: transunion.com/credit-freeze, or call (833) 395-6938 and say “Lift a Freeze” at the automated menu. A fraud alert does not block anything, but tells lenders to take extra steps to verify it is really you. Both are managed at each bureau, and a freeze lifted at one bureau is still in place at the others.

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If what we reported about your account is wrong

You have two routes, and you can use either. Coming to us directly is usually quicker, because we hold the account record the bureau would come back to us for anyway. Write to us, so there is a record of what you disputed and when:
Universal Account Servicing, LLC ATTN: Billing Errors and Disputes 603 East Street STE 301 Parkville, MO 64152
If your account is a bank or credit union loan, check your own agreement first — some give P.O. Box 12027, Parkville, MO 64152 for this instead. Either reaches us; use the one your agreement names. Your agreement sets out what to include, and it is worth following exactly:
  1. Your name and the date of your agreement
  2. The specific information you say is wrong
  3. Why you say it is wrong
  4. Any documentation that supports it
If you believe the account was opened in your name by someone else, send an identity theft affidavit or a police report with it — that follows a different route from a billing dispute.
How long it takes. An investigation is completed within 30 days, or 45 days if you send further information part-way through. If we find the information was wrong, we correct it with every bureau we reported it to.While a dispute is open, we cannot keep reporting the disputed information without also reporting that you dispute it.A dispute that repeats one already decided, or that comes through a credit repair company, may be closed without a fresh investigation. If yours is closed on that basis and you have new information, say so and it will be looked at again.
If your account has already left UAS, we no longer report on it, and we cannot correct a period we did not report. Send the dispute to whoever holds the account now — if you are not sure who that is, ask us and we will tell you, and pass on anything you have already sent.

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Disputing what a bureau is reporting

If something in your file is wrong, raise a dispute with the bureau holding it. Each has an online dispute process where you describe what is wrong and attach supporting documentation. The bureau tells you how long their investigation will take.
This is not the same as disputing a charge on your account. A bureau dispute says the bureau’s record is wrong. A charge dispute says something on your UAS account is wrong — see Disputing a charge.If the charge itself is wrong, start there. Correcting the account is what corrects what gets reported.

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What your signing packet already told you

If you financed through a program that issues a credit score disclosure, your packet included a section on your credit score and on disputing inaccurate credit report information. Worth digging out — it was written for exactly this.