Your Consumer Disclosure

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.

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.

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 

You can obtain a copy of your Consumer Disclosure online through our self-service website at no cost. 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.