To Gain Access to Online Disputes, complete the 3 Steps below:

1
Please review the terms of use and provide agreement to continue
2
Please fill out the personal information form below
3
To protect your data, Please answer the question below

Online Consumer Dispute Service

Terms of Use

Please review and read the following Terms of Use carefully. Once you have reviewed the TransUnion Privacy Policy and the Terms of Use set out below to use the Online Dispute Service, please check the box below and then click I Agree to continue. To cancel this process click Cancel.



Terms of Use and Privacy Policy

By using the TransUnion Online Dispute Service, you certify that you understand and agree to the following conditions:

  1. General. These Terms of Use apply when you access and use the Online Consumer Dispute Service and are in addition to the terms and conditions in the Terms of Use ("Website Terms") for the TransUnion Canada website ("Website"). The Website Terms are incorporated into these Terms of Use by reference. If there is any conflict or discrepancy between the terms and conditions set out below and the Website Terms incorporated into these Terms of Use, the terms and conditions set out below will govern.
  2. Submission Requirements. You can only submit a dispute investigation or a request for a change for your own consumer disclosure. We cannot process combined requests for you and another person, including your spouse or a dependent. You can make only one submission that includes all of your requests for investigation or changes of information. If you need to submit additional requests after the online submission, you must contact TransUnion by phone or in writing. You can only submit a dispute using the Online Consumer Dispute Service if no current dispute/case is ongoing. If a current dispute/case is ongoing, you must contact TransUnion by phone or in writing. You acknowledge that in accordance with provincial laws governing credit reporting, TransUnion does not remove accurate information or information verified as accurate from your consumer disclosure.
  3. Not for all Items. You may not be allowed to submit a request for investigation or change information for all items on your consumer disclosure through the Online Consumer Dispute Service. For some items, you must send TransUnion your investigation request by mail or by phone.
  4. Online Displayed Consumer Disclosure is for Submitting Request Only. When you indicate that you want to submit a request for investigation or change of information using the Online Consumer Dispute Service, we display the latest copy of your consumer disclosure. This copy is only for you to review as you compose your request. Once you submit your request or if you cancel or do not complete your request, you will no longer be able to view this copy of your consumer disclosure. You will have to complete the authentication process again and provide consent again if you wish to access the most current copy of your consumer disclosure after you have cancelled, submitted or abandoned your request.
  5. Session Timing Out. You must log out or close your browser when you finish using the Online Consumer Dispute Service to ensure your consumer disclosure remains private. If your session is inactive for 12 straight minutes you will receive a warning that you will be removed from the Online Consumer Dispute Service in 3 minutes if there is no further activity.
  6. Disclaimers. Without limiting any disclaimer in the Website Terms, to the maximum extent permitted by applicable law, we disclaim all warranties, representation and conditions of any kind with respect to the Online Consumer Dispute Service, whether express, legal, implied or statutory. We do not represent or warrant that: (a) the Online Consumer Dispute Service will meet your requirements; (b) the Online Consumer Dispute Service will be error free or provided on an uninterrupted or continuous basis; (c) there will be no delays, no difficulties in use, no defects, or no incompatibilities with your use of the Online Consumer Dispute Service; (d) all deficiencies in the Online Consumer Dispute Service can be found or corrected; and (e) that the Website and any communication from us, whether from the Website, or otherwise, is free of viruses, malicious code, unauthorized programs, disable code, or other harmful components.
  7. Limitation of Liability. To the maximum extent permitted by applicable law, TransUnion, its affiliates and suppliers and their respective directors, officers, employees, representatives and agents will not be liable to you for any Losses arising out of your use of the Online Consumer Dispute Service, which include without limitation: (a) failure to sign off the Online Consumer Dispute Service, (b) failure to use up to date anti-virus software or anti-spyware software, (c) your use of or inability to use the Online Consumer Dispute Service, (d) direct, indirect, incidental, consequential, special, exemplary or punitive damages, lost profits, loss of use, loss of data, personal injury, fines, fees, penalties or other liabilities resulting directly or indirectly out of these Terms of Use or the Online Consumer Dispute Service, in all cases even if we were advised of the possibility of such damages and regardless of the cause of action, including negligence. This Limitation of Liability is in addition to any limitation of liability set out in the Website Terms. "Losses" means any and all damages, claims, fines, penalties, deficiencies, losses, liabilities (including settlements and judgments), costs and expenses (including interest, court costs, reasonable fees and expenses of lawyers, accountants and other experts and professionals or other reasonable fees and expenses of litigation or other proceedings or of any claim, default or assessment).
  8. Changing these Terms of Use. We reserve the right, in our sole discretion, to change or update these Terms of Use, including the Website Terms, at any time and from time to time, with such notice as required by applicable law. Your continued use of the Online Consumer Dispute Service after such change or update means that you agree to and accept these Terms of Use as amended. If you do not agree to any changes to these Terms of Use, you must immediately stop using the Online Consumer Dispute Service.
  9. Termination of the Online Consumer Dispute Service. We may terminate these Terms of Use or withdraw your access to the Online Consumer Dispute Service at any time, without notice to you, in which case these Terms of Use will continue to apply in respect of your past access. We will not be liable for any Losses or inconvenience that result from termination or our withdrawal of your access.
  10. Governing Law. To the extent permitted by applicable law, these Terms of Use shall be governed, interpreted, and enforced according to the laws of the Province of Ontario, Canada, regardless of conflict of laws rules, and the federal laws of Canada applicable therein.
  11. Language. The parties have expressly requested that these Terms of Use be drawn up in English. Les parties ont expressément requis que les présentes modalités d'utilisation soient rédigées en langue anglaise.
  

By clicking "I Agree" below:

1. You certify that:

  • all of the information you provided in your request for an investigation or an information change is accurate and true;
  • you are the age of majority or older in the province or territory where you live; and
  • you are submitting a request in connection with your own consumer disclosure.

2. You agree that you received, reviewed and are bound by:

  • the Terms of Use for the Online Consumer Dispute Service, which incorporate the Terms of Use for the TransUnion Canada website; and
  • The TransUnion Canada Privacy Policy.

3. You consent to the collection, use and disclosure of your personal information in accordance with the TransUnion Canada Privacy Policy.


Please indicate that you accept the terms and conditions above
I agree to the Terms and Conditions listed above

Note: The Language setting (English or French) for the remainder of the dispute process will default to the Language displayed on screen after clicking Continue.