A Consumer Disclosure is a complete account of all the information on your credit file, as mandated by consumer reporting legislation. Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a “Business Version,” a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries and your own inquiries. The Business Version, also referred to as a “credit report”, is an abbreviated version of the Consumer Disclosure. This is similar to the credit report creditors do see. The Business Version does not contain account management inquiries, non-credit related inquiries or your personal inquiries to obtain a copy of your credit information.
Online
Online access to view and download your no-cost Consumer Disclosure.
By Mail
It’s easy to request your no-cost Consumer Disclosure by mail. Simply follow these steps:
Download and complete form
Simply download and complete the Consumer Request form. You will need Adobe® Acrobat Reader to print the Consumer Request form. You can download Adobe Acrobat Reader free on the Adobe website.
Make sure all the following information is filled out:
Name*
Current address*
Previous address (*if less than two years at current address)
Date of birth*
Social Insurance Number (optional)
Employment information (optional)
Telephone number (optional)
Signature*
*Required information: TransUnion also requires both sides of two pieces of photocopied identification from the following list. Together these combined pieces must contain your name, current address, date of birth and signature. Do NOT send any original copies of identification. If submitting a request for more than one consumer in the same envelope, please ensure the request and identification for each consumer are submitted on separate request forms and separate 8 ½" x 11" sheets of white paper. Acceptable primary identification: We require one piece of valid (non-expired) Canadian government-issued identification. Examples include:
Driver's license
Canadian passport
Certificate of Indian Status
Birth certificate
Canada permanent resident (PR) card
Citizenship card
*Immigration, Refugees and Citizenship Canada form (must be accompanied with valid foreign passport). *Please note the form, along with the foreign passport, will count as one piece of primary ID; a secondary piece of ID is still required.*
Old Age Security card
Department of National Defence card
Provincial photo ID
Additional pieces of acceptable identification. Examples include:
Utility bill indicating current address
CNIB card
Social Insurance card
T4 slip (current tax year)
Notice of Assessments (current tax year)
GST/HST Refunds (current tax year)
Child Tax Benefits (current tax year)
Together these combined pieces must contain your name, current address, date of birth and signature.
Mail form and identifying information: Please send the completed form and a photocopy of both sides of your two pieces of identifying information to:
English speakers in all provinces except Quebec: TransUnion Consumer Relations Department P.O. Box 338, LCD1 Hamilton Ontario L8L 7W2. French speakers in all provinces and English speakers in Quebec: TransUnion Centre de relations au consommateur P.O. Box 338, LCD1 Hamilton Ontario L8L 7W2
In Person (Service Change Notice)
Notice: In-Person Services No Longer Available in Ontario. As of July 1, 2026, TransUnion Canada no longer offers in-person services at our Burlington, Ontario location as it is no longer necessary under legislation. Please continue to use our online, phone or mail channels for all service requests.
Yes. Consumers who reside in the provinces of Quebec have the right to have their credit report and credit score communicated to them free of charge. Under legislation, consumers who reside in Ontario and Quebec are entitled to see their credit score and score factors on the consumer disclosure. Therefore, all consumer disclosures issued to Ontario and Quebec residents have a score and score factors integrated as part of the consumer disclosure.
Please note, lenders use many different credit scoring models. The score you obtain from us may not be the one your lender uses.
If our investigation verifies the information is reporting correctly, you may add a 100-word statement in your report explaining 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 six years. All information should be supplied, with your signature to:
Correspondence in English: TransUnion Consumer Relations Department P.O. Box 338, LCD1 Hamilton Ontario L8L 7W2
Correspondence in French: Centre de relations aux Consommateurs TransUnion P.O. Box 338, LCD1 Hamilton Ontario L8L 7W2
Your Rights as a Quebec Resident
The Credit Assessment Agents Act, or CAAA, is the credit reporting legislation in Quebec which:
Requires credit assessment agents (credit reporting agencies) to provide protective measures for Quebec consumers, through components including security alerts, explanatory statements and security (credit) freeze capability;
Provides additional consumer rights, through access to a free credit rating (score);
Includes administrative steps to dispute handling.
Credit Freeze
A credit freeze (also called a security freeze or a credit lock) can be placed by a consumer on their credit file to prevent access to their credit information for certain purposes set out in legislation. When a credit freeze is on a credit file, parties cannot access that credit information for the following purposes:
assessing you for new or additional credit;
entering into a long-term contract for a lease of goods (for example, a car lease); or
entering into a contract involving performance for a service at a distance (for example, a payment plan for a cell phone).
Please note that companies will still be able to access credit information for other purposes even when there is a credit freeze on a credit file. These exemptions include non-credit related reasons, such as tenancy and insurance underwriting, and account reviews/monitoring.
In Canada, there is no distinction between a credit freeze and a credit lock, as both implement the security freeze rights set out in legislation. Whether it is called a credit freeze or a credit lock, both provide the same type of restriction on parties accessing credit files for certain purposes. TransUnion offers Quebec consumers a credit freeze.
It is important to know that if you place a TransUnion credit freeze on your credit file, this will only be a freeze on your TransUnion credit file. You will need to contact the other credit assessment agent, Equifax, to place a credit freeze on your Equifax credit file (called a “credit lock”).
At this time, only Quebec residents are eligible for the TransUnion credit freeze since February 1st, 2023.
The easiest and quickest way to place or remove a credit freeze on your file is through our online site at ocs.transunion.ca. Alternatively, you may contact TransUnion to request adding or removing a credit freeze by mail or by phone, but please note that these methods can take longer to implement.
By Phone: 1-800-663-9980
By Mail: TransUnion Canada, P.O Box 338, LCD1, Hamilton, Ontario L8L 7W2
Once added, a credit freeze will remain on your file until you request to have it removed. Once you remove a credit freeze from your credit file, it will remain unfrozen until you submit a request to add a new credit freeze to your credit file.
TransUnion Canada does not charge consumers to place or remove a credit freeze on their credit file.
By placing a credit freeze on your credit file online at ocs.transunion.ca, it will be added immediately. If you request a credit freeze by mail, it could take up to 30 days from the date TransUnion receives the request to add the credit freeze. In this case, you would receive correspondence once it has been added. If you request a credit freeze by phone, it will be added immediately. Please note that you will need to contact the other credit assessment agent, Equifax, to place a credit freeze on your Equifax credit file (called a credit lock).
Credit Disputes:
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.
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.
There are three ways you can launch a dispute into item(s) or update personal information on your report:
Online: visit our self-service website at ocs.transunion.ca.
Over the telephone: simply call 1-800-663-9980 to reach one of our TransUnion representatives for assistance with your inquiry.
In writing: see the Credit Report Disputes page for mailing instructions and TransUnion requirements.
Complaints:
In accordance with the requirements of the Credit Assessment Agents Act ("Act") and the regulations made thereunder issued by the Autorité des marchés financiers ("AMF"), a complaint constitutes any reproach or dissatisfaction with a practice of TransUnion made by any person for whom TransUnion holds a file.
A complaint under the Act is therefore related to dissatisfaction or difficulties in exercising one or more of the rights granted to consumers, for example:
Access to the consumer version of your TransUnion credit report (a “TransUnion Consumer Disclosure”)
Adding a fraud alert to your credit report
Adding or removing a credit freeze; and
Adding an explanatory note to your credit report (Consumer Statement)
Please note that the following topics will not be considered to be complaints:
An inquiry about a product or service offered by TransUnion;
A billing issue or any other issue related to paid products or services of TransUnion and its affiliates;
An initial request for a copy of your TransUnion Consumer Disclosure;
A request to correct your credit information (a dispute);
Dissatisfaction with the calculation and/or result of a TransUnion credit score; and
General comments about TransUnion.
Online: Fill out the form
Telephone: 1-800-663-9980
Mail: TransUnion of Canada Inc., Quebec Complaints: 3115 Harvester Road, Suite 201, Burlington ON L7N 3N8
E-mail: TUCPrivacy@transunion.com
Depending on the nature of your complaint, copies of the front and back of two pieces of valid government-issued identification and any relevant supporting documentation may be required in order for us to process your complaint.
You can obtain a free copy of your Consumer Disclosure online through our self-service website. Click Here to visit our self-service website. You can also request a copy of your Consumer Disclosure by phone or mail, and it will be mailed to you. To review the options for receiving a copy of your Consumer Disclosure, please refer to the Consumer Disclosure section of our website.
When you call into the Consumer Relations Centre, you will be asked a number of questions to authenticate your identity. When you have successfully authenticated yourself, we will review your file with you. Due to the confidential nature of credit information, we cannot disclose the contents of your credit report over the telephone if you have failed to answer our authentication questions. Alternatively, you can obtain a free copy of your Consumer Disclosure online through our self-service website. Click Here to visit our self-service website. You can also request a copy of your Consumer Disclosure by phone or mail, and it will be mailed to you. To review the options for receiving a copy of your credit report, please refer to the Consumer Disclosure section of our website
If you are unable to retrieve your credit file online, you can request a free copy by phone or mail, and it will be mailed to you. To review the options and requirements for receiving a copy of your credit file, please refer to the Consumer Disclosure section of our website.
TransUnion will release a copy of deceased consumer's Consumer Disclosure via mail only to the executor or executrix of the estate, provided the following criteria are met:
A copy of the Death Certificate or Certificate of Appointment (verifying they are the next of kin or executor / executrix) is supplied
A copy of two pieces of acceptable ID from the executor/executrix, as well as one piece of acceptable ID of the deceased individual that verifies address. If the deceased address is noted on the Death Certificate, TransUnion will accept it as viable address verification for the deceased. Additionally, if the appropriate information has been given, the file will be processed and sent to the executor's/next of kin's address. Click Here for ID requirements and information on contacting TransUnion by mail. If the Death Certificate has a Social Insurance Number ("SIN"), the SIN will be added to a High-Risk Fraud Alert database to indicate the SIN is deceased. The SIN number will remain in a protective state indefinitely and a note will also be placed onto the credit report to indicate the consumer is deceased. Note: If there is more than one appointee, TransUnion requires identification for each executor/executrix to process the request unless they receive an additional letter of direction that the executor/ executrix can act separately.
TransUnion will release a copy of the Consumer Disclosure to the individual who is appointed as Power of Attorney, provided the following criteria are met:
A copy of the Power of Attorney papers (current and valid) are supplied.
A copy of two pieces of the Consumer's identification and two pieces of the Power of Attorney's identification are provided to process the Consumer request. See acceptable id listing.
If the appropriate information has been supplied, TransUnion will send the Consumer Disclosure to the Power of Attorney's address via standard mail.
In order for TransUnion to release personal information to a third party, there must be written consent/authorization of the Consumer. Two pieces of acceptable identification from both parties (Consumer and Representative) must be supplied and meet with TransUnion identification criteria.
Yes, an individual who is hard of hearing may contact TransUnion through a Telephone Relay Service (TRS) to access their personal credit file by phone, provided the following criteria has been met.
Caller identifies themselves as a TRS operator at the start of the call
Operator provides the name and TRS company they represent
Operator provides full name and Employee number to the TransUnion Associate handling the call
Once all required elements have been met, the standard operating procedure for handling Consumer calls will apply.
It’s your credit file. See it at no cost.
Information for Good®.
Connect with us
