How to dispute information on your Equifax credit report

You have two options to submit a dispute on your Equifax credit report for free -

online submission or via the mail

Due to COVID-19, we are experiencing longer than normal processing times. We appreciate your patience.

SUBMIT ONLINE DISPUTE

How do I submit a dispute?

You have two options to submit your dispute. You can scan and upload your documents online to Equifax Online Dispute. Or you can mail in a completed Credit Report Update Form that you've printed, along with photocopies of the necessary documents. 

Mail

Equifax Canada Co.

National Consumer Relations

Box 190

Montreal, Quebec H1S 2Z2

What should I expect after filing a dispute?

Once you’ve successfully filed your dispute by mailing the Credit Report Update Form or Equifax Online Dispute, expect the following:

Investigation of your dispute

When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we will contact the company that reported the information to us to verify the accuracy of the information you’re disputing.


Your dispute will be processed in 5-20 business days

After our investigation is complete, a confirmation letter or email will be sent to you with the results and outcome of the investigation. If we require additional information in order to complete our investigation, we will notify you. If you mailed in your completed form and documents, we will send a letter. If you submitted the Equifax Online Dispute, we will notify you by email.

Due to COVID-19, we are experiencing longer than normal processing times. We appreciate your patience.

What documents do I need to submit?

When you file a dispute, you’ll need to provide some documentation. What you will need to provide depends on what information you are disputing. Here are some examples of the types of documents we may need copies of during our investigation:

Personal information
  • Valid driver's licence
  • Birth certificate
  • Copy of a utility bill
Account information
  • Current bank statements with account information
  • Letters from a creditor supporting your claim
  • Proof that an account was created through or impacted by identity theft
Other information
  • Bankruptcy discharge or other court documents
  • Release letters from lenders, collection agencies or satisfaction of judgment

When filing a dispute, it is helpful to include the Equifax Unique Number provided on your Equifax credit report, if available.

How does the dispute process work?

File a dispute for free

If you see information on your Equifax credit report that you believe is inaccurate or incomplete, you can scan and upload your documents online to Equifax Online Dispute. Or you can mail in the Credit Report Update Form after you've printed it, along with photocopies of the necessary documents. 

Results completed within 5-20 days

Your dispute will be processed within 20 business days, and a confirmation letter will be sent to you with the results and outcome of the investigation. If you printed and mailed in your dispute information, your confirmation letter will be mailed. If you submitted your dispute documents online, you will receive a confirmation email. 

Please note that you will need to contact Trans Union of Canada, Inc. directly to correct inaccuracies found on your TransUnion Canada credit file.

What you need to know

If you disputed an item and the investigation did not resolve the dispute, you have the right to add a statement to your credit file that is 400 words or less, free of charge, explaining the nature of your dispute. If your statement is 400 words or less, it will added to your credit file, and will be included each time your credit file is accessed.

Please send your statement in writing to Equifax, along with your name, address, date of birth and phone number. You will also need to provide photocopies of two valid pieces of identification. If you have the Equifax Unique Number from your credit report, that is also helpful.

Mail

Equifax Canada Co.

National Consumer Relations

Box 190

Montreal, Quebec H1S 2Z2


To remove the consumer statement, you must also do so by writing to the above address or fax number.

There are timeframes for how long different types of information may remain on your Equifax credit report.

Inquiries to the credit file

An inquiry made on the credit file will automatically purge three (3) years from the date of the inquiry.

Credit history and banking information

A credit account will automatically purge from the file six (6) years from date of last activity. Negative banking information related to chequing or savings accounts will automatically purge from the file six (6) years from the date reported.

Credit Counselling Services

If you engage in a Debt Management Program (DMP) with a credit counselling agency, it will automatically purge from the file two (2) years from the date the DMP is paid in full or six (6) years from the start date of the DMP, whichever occurs first.

Registered Consumer Proposal, Voluntary Deposit - Orderly Payment of Debts

A registered consumer proposal, voluntary deposit, and orderly payment of debts is purged three (3) years from the date paid or six (6) years from the date filed, whichever occurs first.

Bankruptcy

A bankruptcy will automatically purge six (6) years from the date of discharge in the case of a single bankruptcy. If the consumer declares more than one bankruptcy, each bankruptcy will remain on the file fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating “included in bankruptcy” and will purge six (6) years from the date of last activity.

Judgments

A judgment will automatically purge from the file six (6) years from the date the judgment was filed.

Collection Accounts

A collection account under public records will automatically purge from the file six (6) years from the date of last activity.

Secured Loans

A secured loan will automatically purge from the file six (6) years from the date filed.

 

If you decide to submit a dispute directly with a business, they will conduct an investigation and will send you the results of the investigation. They will notify Equifax of any changes that need to be made to the credit report as a result of the investigation.