Practice Area

Canadian Credit Report & Bureau Inaccuracies

Statutory rights under provincial Consumer Reporting Acts, PIPEDA, and Canadian privacy jurisprudence to demand investigation, suppression, and deletion of inaccurate data.

The 6-Year Statutory Obsolescence Limitation in Canada

Under section 9(3)(a) of the Ontario Consumer Reporting Act, R.S.O. 1990, c. C.33 (and comparable provisions in British Columbia, Alberta, and Quebec), credit reporting agencies are prohibited from including in a consumer report any adverse credit item—including collections, judgments, and write-offs—that occurred more than six (6) years prior to the date of the report, calculated from the date of default or date of last payment.

Re-aging is Unlawful: Collection agencies frequently attempt to reset this 6-year clock by updating the "Date Assigned" or "Date Reported". Canadian law prohibits re-aging. The statutory retention period runs strictly from the original date of default on the underlying contract.

Duplicate Tradeline Suppression

When an original creditor assigns or sells an account to a third-party collection agency, both entities often report an active balance. This improperly doubles the consumer's aggregate liabilities, violating the statutory standard of accuracy. We demand immediate suppression of duplicative balances.

Mixed & Merged Bureau Files

Automated algorithmic matching at Equifax and TransUnion frequently blends accounts belonging to individuals with similar names, addresses, or Social Insurance Numbers. Under PIPEDA Principle 4.6, credit bureaus have a strict legal duty to ensure information is accurate, complete, and up-to-date.

Have Inaccuracies on Your Canadian Credit Disclosure?

Submit your files for an immediate statutory discrepancy audit.

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