Equifax Canada Dispute Letter Template
Quick Answer
If something on your Equifax is wrong, you can ask Equifax to investigate for free, online or by mail. This page gives you a plain-language letter, what to include, and Equifax's mailing address as listed on its own website.
- An account, debt or inquiry is listed that isn't yours.
- Your file seems mixed with someone else's (a different name, address or account you don't recognize).
- Information is outdated, such as a debt shown as unpaid after you paid it.
- Your personal details, like your name or address, don't match who you are.
- Accurate negative information can't be removed this way. A dispute only corrects errors.
- Your full name and current address (plus your previous address if you moved recently).
- Your date of birth.
- Your Equifax file or reference number, if your report shows one.
- A clear description of each error and what it should say instead.
- Copies of supporting documents, never originals.
Your file or report number appears on the credit report you received; it's optional if you can't find it.
Equifax asks people disputing by mail to use its own form ( dispute form, on Equifax's dispute options page ). You can attach the letter below as your written explanation.
Copy the text below, replace the [bracketed] parts with your details, and keep a copy for your records.
[Your full name] [Your current address] [Your date of birth] [Your phone number] Equifax Canada Co. Equifax Canada Co. National Consumer Relations Box 190 Montreal, Quebec H1S 2Z2 [Date] Re: Request to investigate information on my Equifax credit report Equifax file or reference number (if available): [number] To whom it may concern, I am writing to dispute the following information on my Equifax credit report, which I believe is inaccurate or incomplete: Item: [name of the lender or company, as shown on the report] Account number (if known): [last digits] What is wrong: [for example, "This account is not mine," "This debt was paid in full on (date)," or "My address is listed incorrectly"] What it should say: [the correct information] I have enclosed copies (not originals) of documents that support my request: [list them, for example a paid-in-full letter or a statement]. Please investigate this item and correct or remove it if it cannot be verified. Please send me the results of your investigation in writing. Thank you, [Your signature] [Your printed name]
Online: Equifax's online dispute page
By mail:
Equifax's page currently shows a notice about a Canada Post service disruption, asking people to use the online form or call during it.
Address and links checked on Equifax Canada: How to dispute information on your credit report on October 5, 2026.
WhatIsCredit.ca is not affiliated with or endorsed by Equifax Canada or TransUnion Canada.
- Equifax investigates the item, which can include checking with the company that reported it.
- Timeline: Equifax says it processes disputes in about 15–20 days for online submissions and 20–25 days for mailed ones, and sends a confirmation letter with the results.
- If the information can't be verified as accurate, it's corrected or removed. Accurate information stays.
- If the investigation doesn't resolve your dispute, Equifax says you can add a free statement of 800 characters or less to your file explaining it.
What to do now
Take these at your own pace. There's no deadline here.
- 1
Get a copy of your report first, so you can name the exact item that's wrong.
Get your free credit report - 2
Check your other bureau report too. An error at one bureau may also appear at the other.
TransUnion dispute letter - 3
Keep copies of everything you send and the date you sent it.
Back to Credit Reports and Disputes
Optional: a free monitoring tool (such as Borrowell or Credit Karma Canada) can help you see when the correction appears on your report.
Educational only, not financial advice.