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Disputes

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Q How do I initiate a dispute?
A There are two ways you can launch a dispute into item(s) on your report:

Over the telephone – Simply call 1-800-663-9980 to reach one of our TransUnion representatives for assistance with your inquiry.
In writing - Click Here for mailing instructions and TransUnion requirements
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Q How does the dispute process work?
A. At your request, TransUnion will verify any credit information disputed by you. In order to complete this request, we contact the organization reporting the information and verify its accuracy. We recommend that you not apply for credit while a dispute is pending.

Investigations are typically concluded within 30 days of the date we receive your request. If we cannot verify the disputed information, the item is removed from your credit report or updated as requested. We notify the companies that have made a recent inquiry to your file that an amendment was made and we send you notice, by Canada Post, at the conclusion of the investigation.

If our investigation verifies that the information is reporting correctly, you may add a 100-word explanatory statement in your report to explain your dispute. Exception: 200 words in Saskatchewan. 

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Q How do I add a Consumer Statement to my credit report?
A If our investigation verifies that the information is reporting correctly, you may add a 100-word explanatory statement in your report to explain your dispute. Exception: 200 words in Saskatchewan. TransUnion requires the request in writing accompanied by a minimum of two pieces of acceptable identification. Together these combined pieces must contain your name, current address, date of birth and signature.

This statement is referred to as a consumer statement. This statement should serve as an explanation of item(s) contained in your credit history to companies viewing your credit report. Your statement can be removed at any time at your written request otherwise is maintained on your file for 6 years. All information should be supplied, with your signature to:

Correspondence in English
TransUnion Consumer Relations Department
P.O. Box 338, LCD1
Hamilton, ON L8L 7W2

Correspondence in French
Centre de relations aux Consommateurs TransUnion
CP 1433 Succ. St-Martin
Laval, QC H7V 3P7
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Q Why can’t I dispute my credit score?
A
A score is a numeric evaluation of your credit file made at a particular time (i.e. when an inquiry is made by a creditor). Therefore, a score is not part of your credit report.
As the information in your credit report changes, the score may change. Credit history information in your credit report, such as the number of credit related inquiries, outstanding balances, number of accounts, age of account, etc, is considered when calculating the score. Therefore, we are unable to accept a dispute regarding your credit score. We can however, investigate the information on your credit report if you believe it is inaccurate or incomplete.  If your report is updated, this may have an effect on your score if the change includes one of the factors mentioned above.

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