How to dispute information on your Equifax credit report

Understand the dispute process and learn what you need to do to submit your dispute for free.

START A DISPUTE

How does the dispute process work?

Checking your credit report on a regular basis is a good thing to do. Let’s begin with the four steps of the Equifax credit dispute process:

Check your credit report

Checking your credit report can help you spot information that may be inaccurate or incomplete. 

File a dispute for free

If you see information on your Equifax credit report that you believe is inaccurate or incomplete, complete and submit the Credit Report Update Form, and we'll look into it right away.

Results completed within 10-20 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.

Updates to your credit report

In the event that the information on your Equifax credit report needs to be updated as a result of the investigation – don’t worry: We’ll take care of it. 

 

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 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.

What should I expect after filing a dispute?

Once you've successfully filed your dispute, you should expect the following to happen:

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 10-20 business days

After our investigation is complete, a confirmation letter 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 send a letter requesting the required documentation.

How do I submit a dispute?

When you are ready, you will need to complete the Credit Report Update Form. Please submit the completed form and photocopies of all necessary documents and identification to support your dispute (Ex: receipts, legal documents, photocopies of two valid pieces of identification, including proof of current address)

Mail

Equifax Canada Co.

National Consumer Relations

Box 190

Montreal, Quebec H1S 2Z2

Fax

1-514-355-8502

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

Fax

1-514-355-8502


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.