Credit Report Dispute Letter Canada (Equifax / TransUnion) – Free Template
Use this free credit report dispute letter Canada (Canada): fill it in online, download it as Word or PDF, and follow our step-by-step guide – where to send it, whether it needs notarizing, what to attach and mistakes to avoid.
| Country | 🇨🇦 Canada |
|---|---|
| Document type | Consumer & contracts |
| Format | Word, PDF & fill in online |
| Cost | Free |
| Time to complete | about 5 minutes |
| Notarization | Not required |
What is this letter for?
If your credit report contains incorrect information, you can ask the credit bureau (Equifax or TransUnion) to investigate. Disputes can be filed online or by mail; include proof and your identification.
Where do you send it?
Send it to Equifax Canada and/or TransUnion Canada, online or by mail.
Does it need to be notarized?
Not required. No notarization or commissioner is needed: sign the letter yourself and keep proof of when it was sent or delivered.
What you need before you start
- Copy of the report
- Description of the error
- Supporting documents and ID
How to use this template
- Click each yellow field inside the letter and type your details directly (Enter jumps to the next field).
- Read the text through; the “Edit” button lets you change any sentence.
- Click “Word”, “PDF” or “Copy”, then sign and send.
Free template : credit report dispute letter Canada
Your full name
Street address
City, Province Postal code
Phone | Email
Today’s date
Equifax Canada / TransUnion Canada
Consumer Relations
Address
Re: Dispute of credit report information
Dear Recipient name,
I am writing to dispute the following information on my credit report: account name, number and error.
This information is inaccurate because reason. I enclose proof and a copy of my identification.
Please investigate, correct the information and send me an updated copy of my report.
Sincerely,
Your full name
⚠️ Disclaimer: this template is for general guidance only and is not legal advice. Always check the requirements of the organization you are writing to before sending it.
Common mistakes to avoid
- ❌ No proof provided.
- ❌ Disputing with only one bureau.
- ❌ Not following up.
Tips before you send it
- Dispute with both bureaus if needed.
- Also contact the lender.
- Keep copies of all letters.
Frequently asked questions
Is it free to dispute my credit report?
Yes, disputes are free.
How long does an investigation take?
Usually several weeks; the bureau contacts the lender to verify.
Where do I send this letter (credit report dispute letter Canada)?
Send it to Equifax Canada and/or TransUnion Canada, online or by mail.
Does this letter (credit report dispute letter Canada) need to be notarized?
Not required – No notarization or commissioner is needed: sign the letter yourself and keep proof of when it was sent or delivered.