Equifax Canada Dispute 2025 — Errors on your Equifax credit report can lower your score unfairly. You have a legal right to dispute inaccurate information. Equifax must investigate and respond within 30 days.
How to Dispute Equifax Credit Report in Canada 2025
Errors on credit reports are more common than most Canadians realize. A Financial Consumer Agency of Canada study found that a significant percentage of Canadians who reviewed their credit reports found at least one error. These errors — a wrong balance, an account that isn't yours, a paid collection still showing as unpaid — can meaningfully lower your score and cost you access to credit or higher interest rates.
You have the right under PIPEDA (Personal Information Protection and Electronic Documents Act) and Equifax's own policies to dispute any information you believe is inaccurate, incomplete, or outdated.
Step 1: Get Your Free Equifax Credit Report
Before disputing, you need to see your report. Options:
Free annual report (full detail): equifax.ca — request by mail or online. This is the full report, not just a score.
Paid Equifax subscription: Gives daily updates and monitoring alerts
Review every section: personal information, credit accounts, public records, collections, and inquiries. Note any entry that seems wrong.
Step 2: Identify What to Dispute
You can dispute:
Accounts that aren't yours (identity theft or mixed file)
Incorrect payment status (showing late when you paid on time)
Wrong balance or credit limit
Duplicate accounts listed twice
Accounts that should have been removed (past the 6-year reporting window)
Incorrect personal information (name, address, SIN)
Fraudulent accounts opened in your name
You cannot dispute accurate negative information just because it hurts your score. The dispute process is for errors, not for removing legitimate records.
Step 3: Submit Your Dispute to Equifax Canada
Online: equifax.ca — log in to your account and use the online dispute form. Fastest option, allows document uploads.
By mail: Write to Equifax Canada, National Consumer Relations, Box 190 Jean Talon Station, Montreal, QC H1S 2Z2. Include your full name, address, date of birth, and details of each dispute. Attach supporting documents.
By phone: 1-800-465-7166 — can initiate disputes but written/online is better for documentation
Step 4: Include Supporting Documentation
Your dispute is stronger with evidence:
Payment receipts or bank statements showing on-time payments
Settlement letters from creditors
Identity documents if disputing fraud
Correspondence with the original creditor
Step 5: Wait for Investigation Results
Equifax has 30 days to investigate your dispute. They contact the information furnisher (the creditor or collection agency) who reported the item. If the furnisher can't verify the information or confirms an error, Equifax updates or removes the item. You receive written confirmation of the outcome.
What If Equifax Doesn't Fix the Error?
If you disagree with the outcome:
Re-dispute with new evidence: If you have additional documentation, file a new dispute
Add a consumer statement: You can add a 100-word statement to your file explaining your position — lenders can see it
File a complaint with the FCAC: fcac-acfc.gc.ca — the Financial Consumer Agency of Canada oversees credit bureaus
File a complaint with your provincial privacy commissioner: If your privacy rights were violated
Consult a consumer law clinic: Free legal clinics in most provinces can advise on escalation
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Online disputes through equifax.ca are typically resolved within 30 days, often faster (10–15 business days is common). Mail disputes may take up to 45 days from receipt. Once resolved, if the item is corrected or removed, your credit score should update within 1–2 billing cycles (30–60 days).
Also Dispute with TransUnion
Errors on your Equifax report may also appear on your TransUnion report. File disputes with both bureaus separately — they do not share dispute resolutions with each other.