How to Fill Out the Equifax Credit Report Dispute Form in Canada

To fix an error on your Equifax credit report in Canada, you fill out the Equifax Canada credit report dispute form — either online through the Equifax Canada dispute page or on a printable PDF you mail to National Consumer Relations in Montreal — with your identification, the specific items you are challenging, and documents that prove the information is wrong. Online disputes take about 15 to 20 days; mailed disputes take about 20 to 25 days.¹

What to Gather Before You Start

The form asks for your full legal name, date of birth, phone number, email address, and Social Insurance Number, plus your current address and any former addresses.² Have your Equifax credit report open beside you so you can copy account numbers and creditor names exactly as they appear.

Equifax also requires two pieces of valid identification: one to verify your identity and one to verify your address.¹ A driver’s licence or passport covers identity. A recent utility bill, bank statement, or mortgage statement showing your current address covers the address side. Send copies, never originals.

Then pull together evidence that shows the entry on your report is wrong. Useful documents include:

Bank or account statements showing a payment was made on time when the report says it was late, or showing a different balance than what is reported.
Letters from creditors confirming an account is paid, settled, or closed.
A police report or documentation from the Canadian Anti-Fraud Centre if the disputed account was opened fraudulently.

A dispute with no supporting documents forces Equifax to rely entirely on what the creditor says, which usually means nothing changes.

Filling Out the Form

The form is available through the dispute section of the Equifax Canada website.³ You can complete it online or download a printable PDF. The online version guides you through category selection; the paper version leaves you to write in each detail.

Personal Information

Enter your full legal name exactly as it appears on your credit report. Even a small mismatch, like dropping a middle initial, can slow the process. Fill in your SIN, date of birth, current address, and any former addresses. If a previous credit report showed an Equifax Unique Number, include it — it helps Equifax pull your file faster.

Choose the Category of Dispute

Equifax organizes disputes by type: personal information (name, address, SIN, phone number), account information (balances, payment history, account status), and other items such as public records or collection accounts.² Pick the category that matches your issue. If more than one item is wrong, you can list them all, but each needs its own explanation.

Describe Each Error Specifically

For every disputed item, write the creditor’s name, the account number or at least the last four digits, and a specific description of what is wrong. “This is incorrect” is not enough. Something like this works better: “This account shows a missed payment in March 2025, but the attached bank statement confirms the payment cleared on March 12, 2025.” Point to the exhibit that backs up each claim so the investigator can match your words to your evidence.

If you are completing the paper form by hand, print clearly. Illegible handwriting is a common reason disputes get returned. Typing into the PDF before printing avoids the problem entirely.

Submitting the Form

Online

Start at the Equifax Canada dispute page, select your category, and fill in the required fields. You can upload scanned copies of your ID and supporting documents directly through the portal. Online disputes are processed in roughly 15 to 20 days, and Equifax returns the results by email.¹

By Mail

Mail the completed form with copies of your two pieces of ID and all supporting documents to:

Equifax Canada Co.
National Consumer Relations
Box 190
Montreal, Quebec H1S 2Z2³

Mailed disputes take about 20 to 25 days, with results sent back by mail.¹ Use registered mail or a tracked service. The delivery confirmation sets the start of the investigation clock and protects you if the envelope goes missing. Keep a full photocopy of every page you send, including the form.

What Equifax Does Next

Once your dispute arrives, Equifax contacts the creditor or lender that reported the disputed information and asks them to verify it against their own records.⁴ Two outcomes are possible:

The creditor agrees there is an error. Equifax updates your report and sends you a confirmation of the result.
The creditor says the information is accurate. The report stays as it is, and Equifax notifies you of the finding.

Credit bureaus must correct verified errors at no cost to you. It also helps to contact the creditor directly while the Equifax investigation runs, asking them to verify their files and send corrected data to the bureau. Disputing with the bureau and pushing the creditor at the same time tends to resolve things faster than either route on its own.⁴

If the Result Is Not What You Wanted

Ask for a Second Look

If the investigation comes back unchanged and you still believe the entry is wrong, ask to speak with someone at a higher level at Equifax or at the financial institution that reported the information.⁴ Resubmit with stronger or additional documentation if you have any.

Add a Consumer Statement

If the disputed information stays on your report, you can add a consumer statement so lenders see your side. Equifax Canada allows statements up to 800 characters, roughly two to three sentences. To add one, mail your written statement to the Equifax address above along with your name, address, date of birth, phone number, and copies of two pieces of valid identification.⁵ There is no fee. Keep it factual and calm; a clear explanation carries more weight than a frustrated one.

File a Complaint With a Regulator

If you believe Equifax mishandled your dispute, you have two options. The Financial Consumer Agency of Canada recommends starting with your provincial or territorial consumer affairs office, which oversees credit reporting in your province.⁴

You can also file a formal privacy complaint with the Office of the Privacy Commissioner of Canada under PIPEDA. You must first try to resolve the issue directly with Equifax and keep copies of all correspondence. The OPC investigates and attempts resolution through mediation, but it cannot issue fines, order compensation, or force an organization to release information.⁶ If the Commissioner’s investigation does not resolve the matter, you may apply to the Federal Court for a review.

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Equifax. Dispute Credit Report Information
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Equifax. Start Your Dispute
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Equifax. Contact Us
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Financial Consumer Agency of Canada. Checking for Errors on Your Credit Report
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Equifax CA. Consumer Statement on Your Credit Report
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Office of the Privacy Commissioner of Canada. File a Formal Privacy Complaint