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Free Credit Report Dispute Process

If any of the information on your credit report is incorrect, outdated or unfair, you may log a dispute with Experian following the process below. When you contact our call centre, you will be requested to submit a copy of your ID and proof of address (no older than 3 months) to verify your identity and in support of your dispute. Supporting documentation may also be required. Once all documentation is received, you will be supplied with an Experian reference number.

Allow 20 business days for Experian to resolve your dispute or query. During this time, Experian will contact the supplier of the disputed data for further information and evidence relating to the data. The information being disputed will be masked from display during the 20-business day investigation period and a notice to this effect is displayed on the credit report during this period to notify the reader that there is a dispute underway and that all the information is not reflected on the credit report. If, at the end of this period, Experian does not receive credible evidence from the supplier to support the data, the dispute will be resolved in your favour.

Dispute your credit report

To challenge information on your credit report, please contact Consumer Care:

Remember to include a copy of your ID and proof of address (no older than 3 months) when logging a dispute.