Legal Question in Credit and Debt Law in Canada

credit bureau mixed up my credit report with someone else

Hi, Credit bureau mixed up my information with someone else just because of similar name and because he was previously living at my current address. They said to him that its one person and he is doing fraud. Now he knows all of my personal information including Date of birth, Social Insurance Number, addresses etc. Plus credit companies refusing me credit as his credit is bad. This crewed up all my good credit which was always R1. Please advise me if i can sue credit bureau. What are my rights etc.

Thanks a lot for your help in this matter.


Asked on 6/14/05, 5:52 pm

1 Answer from Attorneys
Donald McLeod Donald R. McLeod Law Corp.

Re: credit bureau mixed up my credit report with someone else

As privacy legislation varies from province to province this answer is specific to British Columbia ONLY and does not apply to any other province or territory. More facts are needed to establish how the error occurred and what steps the credit bureau took to remedy the error, but assuming that the error took place because of preventable negligence, and assuming that the credit bureau did not take the steps they are required to according to the law in British Columbia (after you notified them of the error), then in British Columbia you do have a right to sue the credit bureau. You should consult a lawyer immediately as there are time limits you must sue within.

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Answered on 6/15/05, 3:53 pm


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