TransUnion Canada Disputes
We issue formal investigation demands to TransUnion Canada, Inc. on behalf of consumers whose credit files contain inaccurate, duplicated or obsolete information, and escalate matters to the applicable regulator where TransUnion fails to correct the record within the statutory reinvestigation period.
What We Handle
- Obsolete tradelines that exceed the statutory retention period for your province.
- Re-aged debts where a later "date reported" was used to extend visibility unlawfully.
- Collection accounts duplicated alongside the original creditor's tradeline.
- Bankruptcy or consumer proposal statuses that were not updated after discharge.
- Identity mix-ups resulting in accounts or inquiries that do not belong to you.
- Inaccurate reporting of dispute status after you previously contacted TransUnion.
Statutory Basis
As a national credit reporting agency, TransUnion Canada is subject to the same category of provincial consumer reporting statutes as Equifax Canada, including the Ontario Consumer Reporting Act, R.S.O. 1990, c. C.33, comparable legislation in other provinces and territories, and the accuracy and accountability principles of PIPEDA. These frameworks impose a duty to reinvestigate a written dispute within a defined period and to correct or delete information that cannot be verified.
Our Process
- Audit your uploaded TransUnion disclosure for statutory discrepancies.
- Prepare a written investigation demand citing the applicable provincial statute.
- Route the letter through lawyer review, signature and dispatch.
- Monitor the statutory reinvestigation deadline and confirm TransUnion's response.
- Escalate unresolved matters to the appropriate provincial or federal regulator.
Errors on Your TransUnion File?
Have your disclosure reviewed against the statutory record.