Equifax Canada Disputes
We prepare and, once reviewed and signed by counsel, dispatch formal statutory dispute correspondence to Equifax Canada Co. where a consumer's credit file contains inaccurate, obsolete, duplicated or unverifiable information, and we escalate matters where Equifax fails to correct the record within the statutory investigation period.
What We Handle
- Tradelines reported beyond the statutory retention period on your Equifax file.
- Accounts that do not belong to you, including mixed or merged consumer files.
- Duplicate reporting of a single debt by both a creditor and a collection agency.
- Discharged bankruptcies or completed consumer proposals shown as unresolved.
- Incorrect balances, account statuses, or personal identifying information.
- Unauthorized or unexplained hard inquiries on your Equifax disclosure.
Statutory Basis
Equifax Canada, as a consumer reporting agency, is subject to provincial consumer reporting legislation, such as the Ontario Consumer Reporting Act, R.S.O. 1990, c. C.33, and comparable statutes across other provinces and territories, as well as PIPEDA's accuracy principle (Principle 4.6) at the federal level. These regimes generally require Equifax to investigate a written dispute within a defined period, correct or delete information that cannot be verified as accurate, and notify the consumer of the outcome.
Our Process
- Review your uploaded Equifax disclosure against a documented discrepancy checklist.
- Draft a formal dispute letter citing the specific statutory basis for correction.
- Lawyer review, signature and dispatch to Equifax's compliance division.
- Track the statutory reinvestigation deadline and confirm the outcome once received.
- Escalate to regulators, such as the Office of the Privacy Commissioner of Canada, if Equifax fails to comply.
Errors on Your Equifax File?
Start a confidential legal review of your disclosure.