Identity Theft Dispute Letter
Dispute fraudulent accounts with Equifax Canada and TransUnion Canada: request a fraud alert and the correction or deletion of identity-theft information under your provincial consumer-reporting legislation, with Canadian Anti-Fraud Centre reporting and (in Quebec, and Ontario from July 2026) a security freeze.
Statute of Limitations Warning
Legal deadlines apply to your claim. You lose your right to act if you wait too long. Send notice as soon as possible.
Why this letter works:
- Cites the exact law: Automatically applies the correct state and federal statutes to your situation.
- Sets a firm deadline: Legally compels a response within the required statutory timeframe.
- Creates a paper trail: Designed to serve as Exhibit A if you need to escalate to an agency or court.
Answer a few questions and we'll create your personalized letter.
One-time price:$19≈ C$27Paid once at the end. No subscription.
Your Action Plan
This is the final formal demand before litigation.
Download your personalized PDF immediately after purchase and send it.
Your letter includes a firm deadline. Do not engage in informal text messages during this time.
If they miss the deadline, you have completed the required out-of-court steps. Hand this complete paper trail to a local attorney for litigation.
Your Situation
Tell us about the identity theft so we can tailor your dispute letter.
Determines which provincial consumer-reporting legislation applies. The rest of the remediation (Equifax/TransUnion Canada, CAFC, fraud alert) is national.
Select the type that best describes your situation. If multiple types apply, generate a separate letter for each fraudulent account.
The date you first learned of the fraudulent activity. This establishes the timeline for your dispute.
Select all recipients. We recommend sending to all three credit bureaus. If the fraud involved a specific company, include them as well.
Before you start
What exactly do I get, and when?
A personalized PDF letter, written around the statute that applies to your situation, with the deadline and the consequence spelled out. It downloads the moment payment confirms, back here on commoner-law.com — there is no waiting period and no account to create. You can also add certified mail at checkout and we will send the physical letter for you.
How much is it?
$19, once. Not a subscription, and nothing is charged until you complete payment on Stripe at the end of the wizard. Any add-ons you select show their own price before you pay.
Is this legal advice?
This tool creates an identity-theft dispute, fraud-alert, and correction-request letter for self-help purposes. It is not legal advice and does not replace consultation with a licensed lawyer. This letter is one component of recovery — you should also report to the Canadian Anti-Fraud Centre (antifraudcentre-centreantifraude.ca / 1-888-495-8501), file a police report, place fraud alerts with Equifax Canada and TransUnion Canada, and (in Quebec or Ontario) place a security freeze. If the identity theft is extensive or you cannot resolve it on your own, consult a lawyer.
What if I need to change something afterwards?
Tell us and we will either adjust the letter and send you the updated version at no cost, or refund you in full — your choice. If we can’t deliver what you paid for, the refund is automatic. Full terms are on our promise page.
Do I have to pay to know if I have a case?
No. The rights encyclopedia on this site is free and cites the same primary sources the letter does. Read the relevant guide first — plenty of situations are resolved by a phone call to a free statutory body, and where one exists we say so.