LRD: September 2018
Personal information we collect includes:
- Credit information (as defined by applicable provincial legislation), such as: your name, current/ former address, date of birth, marital status, social insurance number, current/ former employment, paying habits, outstanding debt obligations, estimated income, cost of living obligations, etc.;
- Payment information and identifying information;
- Information provided to us on applications for employment, in correspondence, and other communications;
- Information about how you interact with our websites and your online activity (which may include your Internet Protocol address, general location, domain, device type and one or more cookies that may uniquely identify your browser)
We collect, use and disclose personal information for numerous reasons, such as to:
- Prepare and disclose your credit report, credit scores and related services to Equifax members where permitted by law and who have obtained your consent as required;
- Maintain, update and disclose your credit report to you upon written request;
- Verify your identity;
- Investigate and resolve inaccuracies in your credit report;
- Offer and provide you with Equifax product and services;
- Monitor, review and improve customer service and internal business processes;
- Audit or investigate the use of our products and services by our members;
- Create and develop new products and services;
- Detect, prevent, and address fraud or other illegal activity;
- Comply with all applicable laws; and
- Meet any applicable law, regulation, legal process, or enforceable request by a governmental agency.
We gather your information from you and other sources:
Your credit information is reported to ECC, with consent or as permitted by law, from various sources, such as employers, credit grantors, collection agencies, government entities (e.g., Family Responsibility Office) and Legal Suppliers (e.g., Court House Reporters). We also gather personal information from you directly when you contact us to receive a copy of your credit report, update your information or purchase products and services from us.
Your rights to access and correct your personal information:
You are entitled to receive your credit report from ECC at no charge upon request. We encourage all consumers to request and review their credit report on a regular basis. By doing this, you can ensure that your report contains information that accurately reflects your credit history. You have the right to dispute any discrepancies by notifying us in writing and we will investigate to ensure the items reported are factual. Where a piece of information cannot be verified by the reporting source, we will remove it from your credit file.
You also have a right to access the other personal information belonging to you that is under our control subject to any legal restrictions or rights of refusal. Such a request for access must be made in writing stating the details of the personal information you are requesting to Equifax’s Chief Privacy Office at Chief Privacy Officer, Equifax Canada Co. 5700 Yonge St., Suite 1501, Toronto ON M2M 4K2. To ensure we disclose information to you only, with your request please include photocopies (front and back) of two (2) pieces of government issued photo id so that we may verify your identity.
Safeguarding your personal information:
Equifax maintains strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. These standards are in place for all information, regardless of how it is stored and we regularly review, test and enhance our systems to ensure they meet accepted industry standards. We also limit the number of employees who may access your personal information on a need-to-know basis: this means that only employees who would need to discuss your information with you, generate a credit report or other related products or services, or conduct investigations to verify and correct your credit report, would have access to your personal information. We conduct due diligence on, and impose the same high standards that we implement internally for, our members who are permitted to access your information from us.
In the event that we transfer your personal information to a third party in Canada or across borders for processing, we contractually require such third party to protect your personal information in a manner consistent with our privacy safeguarding measures, subject to the law in the third party jurisdiction.
Your consent and how you may withdraw it:
Where your consent is required for credit information to be reported to ECC or received from Equifax, such consent is obtained from you by the source (e.g., credit grantor). You may request a free copy of your credit file from ECC for a full list of companies that have accessed your credit file and that are reporting information to ECC. Please note that withdrawing your consent may affect your ability to continue to receive certain products and services from these companies.
If you are a current customer of Equifax, in respect of consent directly obtained from you by us (e.g., to receive marketing communications, etc.) you may withdraw your consent here: Unsubscribe and Manage Preferences or by following the unsubscribe link included in the electronic communication. You are not able to opt-out of certain communications, including those relating to functions or features of our services, or technical or security notices.
If you have a question or concern, let us know: