TransUnion Canada Dispute 2025 — TransUnion is one of Canada's two major credit bureaus. Errors on your TransUnion report can unfairly lower your score. You have the right to dispute inaccurate entries at no cost.
How to Dispute TransUnion Credit Report in Canada 2025
TransUnion Canada is one of the two main credit bureaus operating in Canada, alongside Equifax Canada. Both collect credit information from lenders and report it to potential creditors. Errors in your TransUnion file — whether a payment incorrectly marked as late, an account you don't recognize, or an outdated balance — can cost you access to credit or push you into higher interest rate brackets.
This guide walks through the complete process for disputing errors on your TransUnion Canada credit report in 2025.
Step 1: Get Your TransUnion Canada Credit Report
You need to see your report before you can dispute it. Free options:
Free annual report: transunion.ca — free full credit report requested online or by mail
Free weekly monitoring: CreditKarma.ca — free TransUnion score and report updated weekly (soft inquiry, no score impact)
TransUnion subscription: Paid monthly option with daily updates and alerts
Step 2: Review Your Report Carefully
Go through every section systematically:
Personal information: Name, address, date of birth, SIN — errors here can cause "mixed file" issues
Credit accounts: Check each account for correct balance, payment status, and date opened
Collections: Verify amount, date of last activity, and whether you recognize the debt
Public records: Judgments, bankruptcies — verify accuracy and dates
Inquiries: Hard inquiries you don't recognize may indicate fraud
Step 3: File Your Dispute with TransUnion Canada
Online (fastest): transunion.ca — create an account and use the online dispute portal. Upload supporting documents. Typically resolved in 10–30 days.
By mail: TransUnion Consumer Relations Centre, P.O. Box 338 LCD1, Hamilton, ON L8L 7W2. Include your full name, address, date of birth, a copy of your ID, and details of each item you're disputing with supporting documentation.
By phone: 1-800-663-9980 — can initiate a dispute but online or written is preferred for documentation
What Disputes TransUnion Will Investigate
Disputable items include:
Accounts that don't belong to you
Incorrect payment history (paid on time shown as late)
Wrong balances or credit limits
Duplicate accounts
Accounts or collections past the 6-year reporting window
Personal information errors
Fraudulent accounts or inquiries
TransUnion cannot remove accurate, verifiable negative information simply because it hurts your score. Disputes are for factual errors only.
Step 4: Wait for the Investigation
TransUnion investigates by contacting the information furnisher (lender or collector). They have 30 days to complete the investigation and notify you of the outcome. If the furnisher can't verify the information, TransUnion must update or remove it.
Step 5: If the Dispute Is Denied
Options when TransUnion doesn't resolve in your favour:
Submit new evidence and file a second dispute
Add a consumer statement — up to 100 words explaining your position, visible to lenders
File a complaint with the FCAC at fcac-acfc.gc.ca
File with your provincial privacy commissioner if personal information rights were violated
Seek free legal advice from a community legal clinic
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The two bureaus operate independently. An error on your TransUnion file may or may not appear on your Equifax file. Always check both reports and file disputes with each bureau separately — they don't communicate dispute outcomes with each other. Fixing an error at TransUnion does not fix the same error at Equifax.
How to Check Both Reports for Free
TransUnion: Credit Karma (free, weekly updates at creditkarma.ca)
Equifax: Borrowell (free, weekly updates at borrowell.com)
Official annual reports: Free from both bureaus at their respective websites
Checking both reports twice per year takes about 20 minutes and is one of the most valuable things you can do for your financial health.