Independent · Canadian rules and data only · Reviewed October 5, 2026

    1 min read
    Credit

    TransUnion Canada Dispute Letter Template

    Quick Answer

    If something on your TransUnion is wrong, you can ask TransUnion to investigate for free, online or by mail. This page gives you a plain-language letter, what to include, and TransUnion'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    • Information is outdated, such as a debt shown as unpaid after you paid it.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 TransUnion 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.

    TransUnion asks people disputing by mail to use its own form ( Credit Investigation Request Form ). 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]

TransUnion Canada
TransUnion Consumer Relations Department
P.O. Box 338, LCD1
Hamilton Ontario
L8L 7W2

[Date]

Re: Request to investigate information on my TransUnion credit report
TransUnion file or reference number (if available): [number]

To whom it may concern,

I am writing to dispute the following information on my TransUnion 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: TransUnion's online dispute page

    By mail:

    English speakers in all provinces except Quebec

    TransUnion Consumer Relations Department
    P.O. Box 338, LCD1
    Hamilton Ontario
    L8L 7W2

    French speakers in all provinces and English speakers in Quebec

    TransUnion
    Centre de relations au consommateur
    P.O. Box 338, LCD1
    Hamilton Ontario
    L8L 7W2

    Address and links checked on TransUnion Canada: Credit report disputes on October 5, 2026.

    WhatIsCredit.ca is not affiliated with or endorsed by Equifax Canada or TransUnion Canada.

    • TransUnion investigates the item, which can include checking with the company that reported it.
    • Timeline: Not stated, needs verification. TransUnion's dispute page doesn't give a processing time.
    • If the information can't be verified as accurate, it's corrected or removed. Accurate information stays.

    What to do now

    Take these at your own pace. There's no deadline here.

    1. 1

      Get a copy of your report first, so you can name the exact item that's wrong.

      Get your free credit report
    2. 2

      Check your other bureau report too. An error at one bureau may also appear at the other.

      Equifax dispute letter
    3. 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.

    Borrowell Credit Karma Canada

    Educational only, not financial advice.