Federal and provincial privacy and credit reporting regulations grant consumers important rights regarding credit files and related matters, although these regulations vary by province. As well, information provided by credit reporting agencies also vary by agency.
Generally speaking, by law you have the right to:
- Know what your credit file contains
- Have information deleted that cannot be verified
- Receive a free copy of your credit file by mail, if you request in writing and include acceptable photocopied identification
- Have derogatory, credit-related information deleted after seven years (may vary by province and credit reporting agency)
- Review your credit file in person
- Know who has received your credit file in the past year
- Take someone (lawyer, friend, relative, etc.) with you to review your file
Include a brief written statement as a part of your credit file
Have disputed information investigated at your request
Know the name and address of the credit reporting agency responsible for preparing a credit file used to make a decision regarding your credit, insurance or employment
Equifax Canada Inc.
Consumer Relations Department
Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2
Phone: 1-800-465-7166
e-mail: consumer.relations@equifax.com
http://www.equifax.ca/ (business site)
http://www.econsumer.equifax.ca/ (consumer site)
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