What is the difference between Equifax Canada Co. ("ECC") and Equifax Consumer Services LLC ("ECS") ?
ECC and ECS are separate Equifax companies that operate in different physical locations and provide different products and services.
ECS is located in the United States and it obtains information from ECC to help ECC deliver credit monitoring and other personal products directly to Canadian consumers.
ECC is located in Canada and is a registered Canadian credit reporting agency that is regulated by federal and provincial authorities that govern privacy and credit reporting legislation. This means that ECC maintains a database of credit information provided by credit grantors and other sources so that a credit report and related products (e.g. credit scores) can be compiled and delivered to the recipients that you have provided consent to and/or who are authorized by law to receive them. ECC also offers credit monitoring and other personal products to you online. In order to deliver your products to you, ECC works with its affiliate ECS. ECS provides the platform and technology through which your personal products are delivered. As a result, your Equifax credit report and/or Equifax credit score is securely received, processed and stored by ECS.
As a Canadian consumer, you can receive a free Equifax credit report and Equifax credit score without your information being processed in the United States by visiting one of our consumer centres in person during operating hours, by submitting a request for delivery by mail, or online.