🟠Equifax Canada – Consumer Report Records, Risk & Consent Profile

Basic Info:Privacy Officer, TransUnion Canada
3115 Harvester Rd, Burlington, ON L7N
3N8

Regulator(OPC),
Privacy Contact Email chief.privacy.officer@equifax.com

Last OS File: Successfully led Equifax, via the Office of the Privacy Commissioner, to improve access request acknowledgments and clearly inform consumers of their right to file a complaint after requests or investigations are completed.

Consent Quality

đź”´ Absent

  • The consumer reporting agency’s policy indicates it does not collect, process, or store copies of consumer credit applications, consents or authorizations, disclosure statements, or terms, conditions, and privacy statements related to credit sources and applications.
  • The policy further indicates that these records remain with the entity with which the consumer has a relationship, and consumers should contact that entity directly to obtain them.

Risk Disclosure

đź”´ Absent

  • No communication of risk, harm, or consequences.
  • No disclosure of potential risks to the consumer, including bodily harm, humiliation, damage to reputation or relationships, loss of employment, business or professional opportunities, financial loss, identity theft, negative effects on the credit record, or damage to/loss of property.

Mandatory Notices

đź”´ Absent

  • The consumer reporting agency’s policy indicates it does not collect, process, or store copies of consumer credit applications, consents or authorizations, disclosure statements, or terms, conditions, and privacy statements related to credit sources and applications.
  • The policy further indicates that these records remain with the entity with which the consumer has a relationship, and consumers should contact that entity directly to obtain them.

Consumer Transparency Improvements

Successfully led recommendations to Equifax, through the Office of the Privacy Commissioner:

  1. Acknowledging the receipt of an access request in writing within 30 days. I recommended adding explanatory wording within their acknowledgment (e.g., clarifying identification requirements and their process for receiving access requests via mail, as per their policy). This ensures the requester is informed of any missing information needed to fulfill the access request.
  2. Informing the requester/complainant of their right to file a complaint with the Office of the Privacy Commissioner of Canada once the access request has been fulfilled or the investigation into a complaint/dispute is completed. This helps the requester/complainant understand that this is the organization’s final response.
  3.  

🔍 Regulatory Findings Database

Leslie Kenneth Neil v. Equifax Canada Inc., 2005 SKPC 105
Court: Saskatchewan Provincial Court
Date: 2005

Summary:
Mr. Leslie Kenneth Neil alleged that Equifax Canada Inc. improperly disclosed his personal credit information without consent,.

Damages / Costs Awarded:

  • $4,500 in damages awarded to Mr. Neil

View Full Federal Court Decision

Clark v. Scotiabank & Equifax Canada Inc.
Date: Ontario Superior Court Decision, 2004

Summary:
Mr. Clark alleged that Scotiabank and Equifax Canada Inc. improperly disclosed his personal financial information without consent.

Damages / Costs Awarded:

  • $5,000 in limited damages against each defendant for intrusion on financial integrity caused by the defendants’ negligence.

View Full Court Decision

đź“„ Supporting Documents

đź“Ł User-Submitted Complaint

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