Credit report dispute letter template (Canada)

What to include

Your full name, date of birth, current address and previous addresses. The account name and the last 4 digits only. Exactly what is wrong and what the correct information is. What you want: correction or deletion. A request for written results.

Template

Re: Dispute of inaccurate information — [Creditor], account ending [1234].

I am writing to dispute the following information on my credit file. The [balance / status / date / account] is inaccurate because [reason]. Enclosed is [proof]. Please investigate, correct or delete this item, and send me the results and an updated copy of my file in writing.

[Your name, signature, date]

What to attach

A copy of government ID, a recent bill showing your address, and your proof (statements, payment receipts, settlement letters). Never send your full SIN.

Send it to both

Send separate letters to Equifax, TransUnion and the company reporting the item. Keep proof of when you sent it.