Consumer Disclosure

A Consumer Disclosure is a complete account of all the information on your credit report, 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 is an abbreviated version of the Consumer Disclosure. This is the credit report that 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.
 

*Quebec Residents:
 

In order to comply with the Quebec Credit Assessment Agents Act  (“CAAA” or “Act”) effective February 1, 2021, consumers who reside in the province of Quebec are entitled to see their credit score and score factors on their consumer disclosure. Therefore all consumer disclosures issued to Quebec residents have a score and score factors integrated as part of the consumer disclosure.

You have the right to obtain a copy of your Consumer Disclosure, free of charge by mail or in person.

Online
 

New! Quick and easy online access to view and download your free monthly Consumer Disclosure.

Mail
 

It's easy to request your free 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 the free Adobe Acrobat Reader from the Adobe Web site.

Make sure all of 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

Gather required identifying 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 that 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
• Credit card statement 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:

Correspondence in English
TransUnion Consumer Relations Department
3115 Harvester Road,
Suite 201 Burlington ON L7N 3N8

Correspondence in French
Centre de relations aux consommateurs TransUnion
3115 Chemin Harvester,
Suite 201 Burlington ON L7N 3N8

In Person
 

To request your free Consumer Disclosure in person, please visit one of our provincial offices.

When you visit one of our offices, please ensure that you bring two pieces of identification from the following list. Together these combined pieces must contain your name, current address, date of birth and signature.

Acceptable primary identification
We require one piece of valid, non-expired Canadian Government-issued identification. Examples include:

• Drivers license
• Canadian Passport
• Certificate of Indian Status
• Birth Certificate
• Permanent Resident card
• Citizenship and Immigration form
• Old Age Security card
• Department of National Defence card
• Provincial photo ID
• Additional pieces of acceptable identification

Examples include:

• Utility bill indicating current address
• Credit card statement 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.

By Phone
 

You may also request your Consumer Disclosure by phone using our Interactive Voice Response system: 1(800) 663-9980 (Prompt 1)

IVR or Interactive Voice Response is an automated tool that guides you through the use of your touch-tone phone or voice. The TransUnion IVR serves consumers who wish to obtain a copy of their Consumer Disclosure through a secure and effective channel without having to wait to speak to a representative. It is a service provided to you free of charge which asks you a series of questions to authenticate your identity in order to provide you with a copy of your Consumer Disclosure. If/when you pass the authentication process, your Consumer Disclosure will be sent to your home address via standard mail.