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   Credit Report Disputes
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By law, TransUnion is obligated to verify the accuracy of the information on a credit report that you dispute.</p><li id=FraudVictimsResourcesId32SubNavMoreInfo style=display:none><span class=subNavTitle> Fraud Victims Resources </span> <p>Learn how we can help you if you are a victim of fraud or read tips on how to avoid becoming a victim of fraud.</p></ul></div></div></ul></nav><nav class=clearfix id=utilityNav><a aria-label=About href=/about-us/about-transunion> <span> About </span> </a><a aria-label="Consumer Support"href=/customer-support/main> <span> Consumer Support </span> </a><span class=divider> | </span><a class="bizLogin toggleMenu"data-target=bizLoginNav href=https://members.transunion.ca/tucan_en/login.page?cid=TRANSUNION:HP:Login> Member login <span class="fa fa-caret-right"> </span> </a><span class=divider> | </span><a class="language toggleMenu"data-target=languageNav href=#> <span class="flag ca"> </span> English </a><ul class=utilityDropDown id=languageNav style=display:none><li><a href=/ target=_blank> <span class="flag ca"> </span> Canada <div class=countryLanguage>English</div> </a><li><a href=/fr target=_blank> <span class="flag ca"> </span> Canada <div class=countryLanguage>Français</div> </a></ul></nav><div id=searchContact><div id=searchContainer><span class="fa fa-search"> </span><form action=/consumer-search-results method=POST><label class=hideLabel for=searchBox style=display:none><span class=visuallyHidden> Search Field </span></label><input title="You are not allowed to search with SSN."id=searchBox name=query pattern=^((?!(^[0-9]{3}-[0-9]{2}-[0-9]{4}))(?!(^[0-9]{4}$))(?!(^[0-9]{9}$))(.*))$><button class="clearBtn personalClearBtn"aria-label=reset role=button style=display:none title=reset type=reset><span class="fa fa-times"> </span></button><button style=display:none></button></form></div><a class="btn tui-orange-btn shadow hidden-xs hidden-sm"href=https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB> Get your credit <span class=hideAt1300> report & </span> score </a><a class="btn tui-orange-btn tui-orange-tall-btn shadow hidden-lg hidden-md"href=https://members.transunion.ca/tucan_en/orderStep1_form.page?offer=CANTUM10070&CID=TRANSUNION:HPB> <span> Get your credit <br> report & score </span> <span class="fa fa-arrow-circle-o-right"> </span> </a></div></div><div class="hidden-md hidden-lg"id=mobileFade></div></div></header></div></div></div></div><div class=ls-row-clr></div></div></div><div class=ls-row id=columnSectionComponent><div class=ls-fxr id=ls-gen98942352-ls-fxr><div class=ls-area id=ls-row-2-area-1><div class=ls-area-body id=ls-gen98942353-ls-area-body><div class="ls-cmp-wrap ls-1st"id=w1465579989956><div class=iw_component id=1465579989956><section aria-label="Promotional banner"class="wrapper heroWrapper"id=heroComponent role=banner><div class=hero><div class="heroImageWrap hidden-xs"><div style="background-image: url(//assets.transunion.com/resources/transunion-ca/img/consumer/banner/image_CreditReportDisputes_1440x460.jpg)"class=heroImage></div></div><div class=container><div class=row><div class="col-sm-12 col-lg-7 heroContent clearfix"><div class="heroContentTop clearfix"><div class=eyebrow></div><h1 class=primaryHeadline>Credit Report Disputes</h1></div><div class="mobileHeroImageWrap hidden-sm hidden-md hidden-lg"><div style="background-image: url(//assets.transunion.com/resources/transunion-ca/img/consumer/banner/image_CreditReportDisputes_750x240.jpg)"class=mobileHeroImage></div></div><div class="heroContentBottom clearfix"><span> <p>You can dispute your credit information or update personal information on our credit report in three ways.</p> </span><a class="btn btn-primary shadow"aria-label href=#articleSection1> <span> Learn More </span> <span class="fa fa-arrow-circle-o-right"> </span> </a></div></div></div></div></div></section></div></div><div class=ls-cmp-wrap id=w1465579989957><div class=iw_component id=1465579989957><section class="wrapper titleWrapper"id=articlestickyComponent><div class="titleContent setAffixTop"><nav class=container><h1 onclick="articleMenuToggle(); return false"id=pageTitle><span> Credit Report Disputes </span> <span class="fa fa-angle-down hidden-md hidden-lg"> </span></h1></nav></div></section><section class="wrapper articleWrapper"id=articleComponent><div class=container><div class=row><div class="sideNavContainer articleSideNavContainer col-lg-2 col-lg-offset-1 col-md-3 col-xs-12"><ul class="setAffixTop mainSideNav articleSideNav hidden-sm hidden-xs"id=articleList><li data-subnav=#LearnMoreSubNav><a href=#articleSection1> <span> Learn More </span> </a><li data-subnav=#OnlineSubNav><a href=#articleSection2> <span> Online </span> </a><li data-subnav=#PhoneSubNav><a href=#articleSection3> <span> Phone </span> </a><li data-subnav=#MailSubNav><a href=#articleSection4> <span> Mail </span> </a></ul><ul class="mainSideNav articleSideNav-xs hidden-md hidden-lg"id=articleList-xs><li data-subnav=#LearnMoreSubNav><a href=#articleSection1> <span> Learn More </span> </a><li data-subnav=#OnlineSubNav><a href=#articleSection2> <span> Online </span> </a><li data-subnav=#PhoneSubNav><a href=#articleSection3> <span> Phone </span> </a><li data-subnav=#MailSubNav><a href=#articleSection4> <span> Mail </span> </a></ul></div><div class="articleDetail col-lg-9 col-md-9 col-xs-12"><div class=relativeLinkAnchor id=articleSection1><div class=LearnMoreCategory><span> <p><span class=contentIntroTwo> Our goal is to maintain accurate information on your TransUnion credit report. By law, TransUnion is obligated to verify the accuracy of the information on a credit report that you dispute. If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request an investigation. Only inaccurate information may be removed; negative information that is accurate will stay on your credit report as long as the governing laws allow. Changes on your credit report that occur as the result of an investigation will be made on both your consumer disclosure and your credit report. </span></p> <p><span class=contentIntroTwo> TransUnion provides this service to you free of charge, in accordance with applicable legislation. TransUnion will not provide any additional services or treat a consumer differently due to the fact that the consumer has retained and paid a credit repair company. Whether you launch a dispute yourself or through a credit repair company, the outcome of the investigation will be the same. Please also note that the activities of credit repair companies are regulated in some provinces. For more information, please visit <a href=https://www.ontario.ca/page/consumer-protection-ontario> Consumer Protection </a> . </span></p> <p><span class=contentIntroTwo> <strong> You can dispute your credit information or update personal information on our credit report in three ways: </strong> </span></p> </span></div></div><div class=relativeLinkAnchor id=articleSection2><div class=OnlineCategory><span> <p><span class=contentIntroOne> Online </span></p> <p><span class=contentIntroTwo> New! Quick and easy <a rel="noopener noreferrer"href=https://secure-ocs.transunion.ca/secureocs/dispute-info.html target=_blank> online access </a> allows you to view your credit file and dispute items you believe to be inaccurate. </span></p> <p><span class=contentIntroTwo> <strong> What you need </strong> <br> Before attempting to submit a dispute online, please make sure you have all of the necessary information on hand: </span></p> <ul><li>Full name<li>Social Insurance Number (optional)<li>Date of birth<li>Current address<li>Previous address (if at current address less than two years)<li>Name of the disputed item (from your credit report)<li>Reason for your dispute (e.g., you have paid the account, etc.)</ul> <p> </p> </span></div></div><div class=relativeLinkAnchor id=articleSection3><div class=PhoneCategory><span> <p><span class=contentIntroOne> Phone </span></p> <p><span class=contentIntroTwo> <strong> We’re here to help </strong> <br> Our TransUnion representatives are available to assist you with the dispute process. If you recently applied for credit or received a copy of your TransUnion Credit Report and you believe there is an inaccuracy, simply call: </span></p> <p><span class=contentIntroTwo> <strong> English speakers in all provinces except Quebec: </strong> <br> toll-free 1-800-663-9980 <br> <br> <strong> French speakers in all provinces and English speakers in Quebec: </strong> <br> toll-free 1-877-713-3393 </span></p> <p><span class=contentIntroTwo> Our Consumer Relations Department is available to assist you Monday through Friday, 8:00 a.m. - 8:00 p.m. ET, excluding major holidays. In Quebec, hours of operation are Monday through Friday 8:30 a.m. - 5:00 p.m. ET. </span></p> <p><span class=contentIntroTwo> <strong> What you need </strong> <br> Before you place your call, please make sure you have all of the necessary information on hand: </span></p> <ul><li>Full name<li>Social Insurance Number (optional)<li>Date of birth<li>Current address<li>Previous address (if at current address less than two years)<li>Company name of the disputed item (from your credit report)<li>Reason for your dispute (e.g., you have paid the account, etc.)</ul> <p> </p> </span></div></div><div class=relativeLinkAnchor id=articleSection4><div class=MailCategory><span> <p><span class=contentIntroOne> Mail </span></p> <p><span class=contentIntroTwo> It's easy to dispute any inaccurate credit or personal information on your credit report. Simply follow these steps: </span></p> <p><span class=contentIntroTwo> <strong> Download and complete form </strong> <br> Simply download and complete the Investigations form: <br> <a href="/resources/transunion-ca/doc/personal/Credit Investigation Request Form_en.pdf"> English Form </a> <br> <a href="/resources/transunion-ca_fr/doc/personal/Credit Investigation Request Form_fr.pdf"> French Form </a> </span></p> <p><span class=contentIntroTwo> You will need Adobe <sup> ® </sup> Acrobat <sup> ® </sup> Reader <sup> ® </sup> to print the Investigation form. You can download the free <a rel="noopener noreferrer"href=https://get.adobe.com/reader/ target=_blank> Adobe Acrobat Reader </a> from the Adobe Web site. </span></p> <p><span class=contentIntroTwo> <strong> Make sure you provide the following information: </strong> </span></p> <ul><li>Full name<li>Current address<li>Previous address (if less than two years at current address)<li>Date of birth<li>Social Insurance Number (optional)<li>Employment information (optional)<li>Telephone number (optional)<li>Name of the company you have a dispute with (from your credit report)<li>Account number, if known<li>Reason for your dispute (e.g., you have paid the account, etc.)<li>Documentation to support the amendment you have requested. If the amendments are to your personal information (e.g., name), please provide supporting identification documentation, such as change of name certificate, marriage certificate, etc.</ul> <p> </p> <p><span class=contentIntroTwo> <strong> Mail form and documentation </strong> <br> Please send the completed form and supporting documentation to: </span></p> <p><span class=contentIntroTwo> English speakers in all provinces except Quebec <br> TransUnion Consumer Relations Department <br> 3115 Harvester Road, <br> Suite 201 Burlington ON L7N 3N8 <br> <br> French speakers in all provinces and English speakers in Quebec <br> TransUnion <br> Centre de relations au consommateur <br> 3115 Chemin Harvester, <br> Suite 201 Burlington ON L7N 3N8 </span></p> </span></div></div></div></div></div></section></div></div><div class=ls-cmp-wrap id=w1591328685387><div class=iw_component id=1591328685387><link href=//assets.transunion.com/resources/web-kore-sdk-master/UI/chatWindow.css rel=stylesheet><link 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