Provides financial services, in Ontario

R.S.O. 1990, c. C.33 · Read the law's page

• Register with the Registrar before you conduct or act as a consumer reporting agency or act as a personal information investigator.
• As a consumer reporting agency, furnish information from your files only as section 8 allows: on a court order, on the consumer's written instructions, under an order or direction under the Act, or in a consumer report to a person you have reason to believe intends to use it for credit, a tenancy, employment, insurance underwriting, eligibility under a statute or regulation, a direct business need in a business or credit transaction, or updating a report.
• If you obtain information from a consumer reporting agency's files, do so only for a purpose section 8 allows.
• As a consumer reporting agency, adopt all procedures reasonable for ensuring accuracy and fairness in your consumer reports, report only information extracted from files stored or collected in a repository located in Canada, and leave out the items section 9 forbids, including race, creed, colour, sex, ancestry, ethnic origin and political affiliation and most adverse items more than seven years old.
• Before you request or obtain a consumer report containing personal information about a consumer, give the consumer written notice, and give the consumer the agency's name and address on request.
• If you deny a benefit or increase a charge wholly or partly because of information from a consumer reporting agency or another person, give the consumer notice when you communicate the action and, if the consumer asks within sixty days, say what the information was and where it came from or give the agency's name and address.
• As a consumer reporting agency, on a consumer's written request disclose the consumer's file, sources, recipients and, if asked, current consumer score; correct, supplement or delete disputed information in accordance with good practice and notify the persons the corrected report went to.
• These duties bind a consumer reporting agency (a person who for gain or profit or on a regular co-operative non-profit basis furnishes consumer reports) and anyone who requests, obtains or acts on a consumer report, such as a lender, landlord, insurer or employer.