Check your Credit Report for Errors, Now!

Equifax Canada Inc. - ( . . 1-800-465-7166 . . )

Experian Credit Bureau - ( . . 1-888-826-1718 . . )

Trans Union Credit Bureau - ( . . 1-866-525-0262 . . )


The Financial Industry and the Credit Reporting Bureau they use!

The Canadian Bankers Association

* Bank of Nova Scotia - Scotiabank (It used to be TransUnion, apparently they've changed to Equifax) *

Royal Bank of Canada - RBC (TransUnion, although they sometimes pull Equifax as well)

Canadian Imperial Bank of Commerce - CIBC (Equifax)

TD Canada Trust - TD (Equifax)

HSBC (Can use either Equifax or TransUnion, although they usually use Equifax first)

PC Financial (Equifax)

Sears Card / JPMorgan Chase: (Both, Equifax and TransUnion, usually only relies on Equifax)

Desjardins (Equifax)

Canadian Tire (TransUnion)

AMEX (Both Equifax and TransUnion, but primarily TransUnion)

Capital One (Both Equifax and TransUnion are pulled once application is submitted)

GE money (incl. Bay Card) (Equifax)

Citibank (Equifax)

Citizen's Bank (Equifax)

MBNA (Usually TransUnion, sometimes Equifax)

BMO (Equifax)

CUETS / Credit Union Mastercard (Both Equifax / TransUnion)

Wells Fargo (Equifax)

National Bank of Canada (Equifax)

Telus (First pulls Equifax, switches to TransUnion if nothing found in Equifax)

Bell / Solo (Equifax)

Rogers / Fido (TransUnion, they sometimes rely on internal information (eg cable accounts))




Media Headlines on Canadian Banks

July 05 2007 - Scotiabank computer glitch hits pre-authorized payments

July 1 2005 - Bank Held Liable by Court for Providing Inaccurate Credit Information.

Undated - Why do banks differentiate based on how much they have of you?




Media Headlines on Consumer Protection

November 21 2007 - Britain apologizes for 'inexcusable' data loss

November 21 2007 - PM pledges action on data protection

July 26 2006 - Woman wins $350k lawsuit against Equifax and settles with others.

June 29 2005 - Equifax Chief Calls Free Credit Reports Unconstitutional.




The Ombudsmen in Canada - Legal Aid / Human Rights

Ombudsman for Banking Services and Investments

Bank of Nova Scotia Ombudsman for BNS

Canadian Bank of Commerce Ombudsman for CIBC

Royal Bank of Canada Ombudsman for RBC

TD Canada Trust Ombudsman for TD

Bank of Montreal Ombudsman for BMO

Canadian Bank Discrimination and Defamation Petition




Links to Canadian Government Legislation

The Consumer Reporting Act

The Personal Information and Electronic Documents Act (pipeda)

The Personal Information Protection Act

The Privacy Act

The Freedom of Information Act

The Access to Information Act

The Consumer Agency Act

The Credit Repair Agency Act

The Ombudsman Act

The Law Society Act

The Evidence Act

The Business Corporation Act

The Canadian Bank Act

The Insurance Companies Act

The Trust and Loan Companies Act

March 2007 - Legisiative Approaches to Identity Theft.




Media Links to Lawyers Headline News

The Dirty Lawyer Registry's Vision: Advocacy for Fairness

November 19 2007 - The lawyer who sued the law society - and won!

Summer 2005 - McMillan Binch Mendelsohn - Financial Services Litigation Bulletin.




Links to Associated Press Releases

Canadian Money Advisor / Term Life Insurance

Mondaq.com / WFive / Blog

In Depth Identity Theft - When companies lose customer data

CBC story: Hackers steal personal information from Brock University Computers

CBC story: 2,000 consumer files stolen from Equifax Canada

CBC story: Theft of 900 bank customer files prompts e-privacy primer



Equifax Canada Inc. was faulted for not responding to the errors for several years. The Bank of Nova Scotia (Scotiabank) admits to failure in their reporting accuracy. Robert Neil Clark WINS and then LOSES lawsuit on the erred and emissive verdict!

Thank You!
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