The shelterin protein TRF2 assembles protective T loops at chromosome ends by stimulating intramolecular invasion of the telomeric G-rich single-stranded DNA (ssDNA) overhang into the duplex telomeric array. The other shelterin factor， TRF1， is thought to mainly facilitate telomeric dsDNA replication without directly participating in end protection. Here we show that in vitro human TRF2 stimulates invasion of G-rich TERRA-like RNA into telomeric dsDNA， leading to formation of telomeric RNA-DNA hybrids (telR loops). The N-terminal basic domain of TRF2 binds to TERRA-like RNA and enables TRF2 to promote efficient RNA invasion. TRF1， through its N-terminal acidic domain， counteracts TRF2-mediated RNA invasion but not ssDNA invasion. In vivo， when TRF1 is depleted or replaced with a variant lacking the acidic domain， TRF2 induces formation of telR loops， which in turn cause telomere loss. Hence， uncontrolled TRF2 threatens telomere integrity， and TRF1 directly supports end protection by suppressing harmful telR loops.