credit report

What To Do When Credit Bureaus Show False Delinquencies

Incorrect late payments on your credit report? Learn how to dispute errors with Equifax and TransUnion in Canada.

Photo by Francisco De Legarreta C. / Unsplash

Errors happen — but Canadians have rights.

⚠️ How Errors Happen

Misapplied payments.
Mixed files (similar names).
Lender mistakes.

✅ Your Rights

File disputes for free with bureaus.
Must be investigated within 30 days.
Provide proof (statements, receipts).
Escalate to FCAC if unresolved.

📌 Takeaway

👉 False delinquencies can be removed. Act quickly and document everything.

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