You have the right to explain or protest. Contact the credit reporting agency regarding their dispute resolution process. If you still do not agree with an item following the
Agency's investigation, TransUnion and
Equifax websites inform you as to how you can add an explanatory statement
to your report.
If you are still not satisfied that your file is correct:
You may wish to contact your provincial / territorial regulator responsible for consumer affairs (as credit reporting agencies falls under provincial / territorial jurisdiction). Here is the complete
list from the Canadian Consumer Handbook.
You can also contact the Federal Privacy Commissioner (except in the case of Quebec, B.C. and Alberta where you should contact the Provincial Privacy Commissioner). The Personal Information Protection and Electronic Documents Act (PIPEDA) also sets out ground rules for how private
sector organizations can collect, use or disclose personal information in the course of commercial activities. Under PIPEDA individuals have a right to see the personal information that a business
holds about them, to correct any inaccuracies and to lodge a complaint with the Privacy Commissioner of Canada if they are unhappy
with how an organization is handling their information.
Please note: If the incorrect information comes from a federally regulated financial institution, the Financial Consumer Agency of Canada (FCAC) website provides additional
information on how to get errors corrected.