Credit reporting agencies in B.C. must respond to personal information correction requests within 45 days

Plain-language summary · AI-assisted

A new rule sets a 45-day deadline for credit reporting agencies to act on an individual's request to correct their personal information held by the agency. Within that same 45-day window, the agency must also provide the individual with a written report confirming either that the correction was made or that a notation of dispute was added to the file. In addition, agencies are now explicitly required to use their best efforts to check the accuracy and completeness of the information before responding. Credit reporting agencies operating in British Columbia should review their correction-request workflows, staffing, and written-response processes to meet these obligations.

Who this affects
credit reporting agencies operating in British Columbia · individuals who have requested correction of their personal information held by a credit bureau