Credit Report Dispute Packet (Canada)

This Credit Report Dispute Packet will assist you in obtaining a copy of your credit report and repairing or disputing any errors contained in the credit report. It is crucial that you monitor your credit report. This form is for use in Canada.

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This Credit Report Dispute Packet is designed to assist in obtaining a copy of your credit report and repairing any errors or disputing any items within in that report. This packet contains the names, phone numbers and links to the major credit reporting agencies and if these agencies provide a free credit report on a yearly basis. It also includes sample letters which can be modified to fit your individual situation. It is crucial that you monitor your credit report closely. This Credit Report Dispute Packet will be useful if there are errors or if you must dispute an item on your credit report.

This Credit Report Dispute Packet includes the following:
  • Copy of Report Letter: A letter to a credit reporting agency requesting a current copy of your credit report;
  • Report of Error Letter: A letter to a credit agency reporting an error. This letter sets out the specifics regarding the error and encloses documentation to back up your claim;
  • Dispute Letter: A letter disputing certain information on a credit report and documentation which supports your case;
  • Non-Response Letter: A letter which informs the credit agency that they have not responded to your dispute letter in a timely manner and requests that an immediate response be forthcoming.

Protect yourself and your rights with these accurate and easy to use forms.

This lawyer-prepared package includes:
  1. General Information
  2. Step-by-Step Instructions
  3. Credit Report Dispute Packet for use in Canada
Law Compliance: This form can be used in the following provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan and Yukon
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
 
 
Credit Report Dispute Packet
(Canada)
 
 
 
LETTER A
 
 
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau
Credit Bureau Address
 
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I hereby respectfully request that you provide me with my free, current credit report.  Please send this report to the address listed above.
 
If you require any additional information, please do not hesitate to contact me.
 
Thank you for your prompt attention to this matter.
 
 
Respectfully yours,
 
 
Your Name
LETTER B
 
 
 
Your Name
Your Address
               
Date
 
 
 
Company Name
Company Address
 
 
Re: Your Name
       Account # or Invoice #
 
Dear Sir or Madam:
 
I have just received my credit report and discovered that there is an error regarding my account with your company.
 
According to the report, my account was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate].  I am writing to request that the item be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence if you have enclosed any documentation supporting your claim (e.g. payment records, correspondence).  Describe the documentation here] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER C
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau Name
Credit Bureau Address
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I am writing to dispute certain information in my credit report.  The item(s) that I dispute is/are as follows:
 
[Insert the items you are disputing; for example: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
According to the report, this item was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate (e.g. I was never late on the account)].  I am writing to request that the item(s) be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence to describe any enclosed documentation supporting your claim (e.g. payment records, correspondence). It is best to include any documentation that will help your case.  Be sure to only send copies of the documentation.] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER D
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau Name
Credit Bureau Address
 
 
Re:  Dispute Letter dated [insert date of initial dispute letter]
 
Dear Sir or Madam:
 
This letter is to inform you that I have not received a response to my dispute letter dated ______________, 20_____.  This letter was sent [certified/registered] mail, the receipt of which is enclosed.
 
Under the laws of Canada, you are required to respond to any dispute inquiries within 30 days.  Since 30 days have passed since your receipt of my letter, you are in violation of this requirement.  Failure to comply with these federal regulations may result in an investigation of your credit reporting agency.
 
I would very much like to avoid taking any further legal steps regarding this matter and would appreciate a prompt response to this letter.  For your convenience I have enclosed a copy of the original letter that I sent to you on ___________, 20__ and copies of the supporting documentation.  The following item(s) on my credit report need to be corrected as soon as possible:
   [insert a description of the account in question: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
If you require any additional information, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
Your Name
 
Number of Pages10
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#43404
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
 
 
Credit Report Dispute Packet
(Canada)
 
 
 
LETTER A
 
 
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau
Credit Bureau Address
 
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I hereby respectfully request that you provide me with my free, current credit report.  Please send this report to the address listed above.
 
If you require any additional information, please do not hesitate to contact me.
 
Thank you for your prompt attention to this matter.
 
 
Respectfully yours,
 
 
Your Name
LETTER B
 
 
 
Your Name
Your Address
               
Date
 
 
 
Company Name
Company Address
 
 
Re: Your Name
       Account # or Invoice #
 
Dear Sir or Madam:
 
I have just received my credit report and discovered that there is an error regarding my account with your company.
 
According to the report, my account was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate].  I am writing to request that the item be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence if you have enclosed any documentation supporting your claim (e.g. payment records, correspondence).  Describe the documentation here] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER C
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau Name
Credit Bureau Address
 
Re: Your Name
      
       Date of Birth
 
Dear Sir or Madam:
 
I am writing to dispute certain information in my credit report.  The item(s) that I dispute is/are as follows:
 
[Insert the items you are disputing; for example: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
According to the report, this item was listed as [insert a description of the problem with the account (e.g. account is listed as 30 days late, etc.)]  This item is [incomplete/inaccurate] because [describe why the account is incomplete or inaccurate (e.g. I was never late on the account)].  I am writing to request that the item(s) be [changed/deleted] as soon as possible.
 
I have enclosed copies of [use this sentence to describe any enclosed documentation supporting your claim (e.g. payment records, correspondence). It is best to include any documentation that will help your case.  Be sure to only send copies of the documentation.] which supports the changes that I have requested.
 
If you require any additional information, please do not hesitate to contact me.  Thank you for your prompt attention to this matter.
 
Respectfully yours,
 
 
 
Your NameLETTER D
 
Your Name
Your Address
               
Date
 
 
 
Credit Bureau Name
Credit Bureau Address
 
 
Re:  Dispute Letter dated [insert date of initial dispute letter]
 
Dear Sir or Madam:
 
This letter is to inform you that I have not received a response to my dispute letter dated ______________, 20_____.  This letter was sent [certified/registered] mail, the receipt of which is enclosed.
 
Under the laws of Canada, you are required to respond to any dispute inquiries within 30 days.  Since 30 days have passed since your receipt of my letter, you are in violation of this requirement.  Failure to comply with these federal regulations may result in an investigation of your credit reporting agency.
 
I would very much like to avoid taking any further legal steps regarding this matter and would appreciate a prompt response to this letter.  For your convenience I have enclosed a copy of the original letter that I sent to you on ___________, 20__ and copies of the supporting documentation.  The following item(s) on my credit report need to be corrected as soon as possible:
   [insert a description of the account in question: Credit Card Account:  xxxxx-xxxx-xxxx-xxxx ]
 
If you require any additional information, please do not hesitate to contact me.
 
 
Sincerely,
 
 
 
Your Name
 

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