For residents of Ontario, Canada, here are some links I've found useful:
1 ) The Consumer Reporting Act, 1990
http://www.e-laws.gov.on.ca/html/sta...c33_e.htm#BK18
NOTE 1: Unlike in the United States -- where the Fair Credit Reporting Act is the law of the land and where the Consumer is King -- in Canada your situation will depend on the Province where you reside. Please note that in Ontario, it's chiefly the credit bureaus that are protected, NOT the consumers of Ontario!
NOTE 2: In Ontario the applicable law is the "Consumer Reporting Act". It was originally written in 1990. IMO, it is NOT much help for consumers, because it chiefly protects the credit bureaus, and at the expense of consumers. In Ontario, according to this Act, it's OK for a credit bureau to report negative information on you, even if the negative information is inaccurate. Why? Because, in Ontario, this Act chiefly protects credit bureaus, at the expense of Ontario consumers.
NOTE 3: From a consumer's point of view, the wording of Chapter 13 of this Act is weak when it says "the consumer reporting agency within a reasonable time shall use its best endeavours" because this enables all Canadian credit bureaus to use reverse onus, i.e. put the burden of proof on consumers to prove that the allegations in the reports written by the credit bureaus are indeed inaccurate. Thanks to this (pretty weak) Act, credit bureau employees are protected. They can sit back, relax and do nothing. They will not change any of their erroneous information in the credit report they write on you, unless -- in the unlikely event -- you, the consumer, can mail them some convincing, written proof that the credit bureau's allegations are false, misleading or inaccurate. IMO, Chaper 13 of this Act is grossly unfair to Ontario consumers because, for example, how do you prove you did in fact mailed your payment on time, two years ago? And if you made your payment by mail, how do you prove it that you did in fact mail it? Or, do you use registered mail every time when you mail a payment? Of course you don't!
NOTE 4: You can always ask the credit bureau to add a 100-word statement to the report they write on you. But what can you say in your 100-word statement? Do you say "CIBC Bank made a mistake back in 2007"? Or do you say that that "National Bank of Canada made a mistake in 2006? And, even if you're telling the truth, will the next Banker ever believe you in an environment where the Banks and Credit Bureaus are considered to be the judges, juries and supreme authorities on ALL things related to your credit history?