Cancellation service #1 in Canada
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Equifax service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancellation Equifax: Easy Method
What is Equifax
Equifax is one of Canada’s national credit reporting agencies that collects and provides consumer credit information to individuals and businesses. It offers products such as credit reports, credit monitoring and identity-protection services, some of which are paid subscriptions while consumers are legally entitled to a free statutory credit report each year.
How to cancel Equifax
- Web (consumer portal): Sign in to your Equifax Canada account, go to "My Account" or "Manage Billing," select "Cancel Membership," submit the cancellation and retain any confirmation number or screenshot for your records.
- Phone: Call Equifax Canada at 1‑866‑640‑2273 (alternate 1‑866‑820‑8911). Be ready to verify identity (name, date of birth, account email/username and any verification details the agent requests) and request a cancellation confirmation.
- Mail (written request recommended by registered mail): Send a signed cancellation letter with your account details and a clear request to stop auto‑renewal and close the account. Use registered mail for proof of delivery; address below.
- App store: There is no Equifax consumer app in the Canadian Apple App Store, so cancellation via an app is not applicable - use web, phone or mail instead.
What happens when you cancel
When you cancel a paid Equifax subscription, auto‑renewal is stopped; access to subscription features typically continues until the end of the paid period unless Equifax states otherwise. Your ability to sign in or access premium content may end when the billing period expires. Equifax retains account and transaction records according to its data‑retention and privacy policies; if you want account data deleted or corrected you will generally need to submit a separate request under applicable privacy rules.
Will I get a refund?
Refunds depend on the specific product and the terms you agreed to. Many cancellation guides and Equifax terms indicate that refunds are not guaranteed for monthly subscriptions, annual subscriptions may be eligible for a pro‑rated refund in some cases, and single one‑time reports are often sold as final. There is no generic statutory 14‑day cooling‑off right for credit‑monitoring subscriptions in Canada; always ask for refund details at the time you cancel and keep written confirmation of any refund promise.
Equifax plans and pricing
| Plan | Typical price |
|---|---|
| Monthly subscription | Varies |
| Annual subscription | Varies |
| Single report / One‑time product | Varies |
| Statutory free credit report (Equifax/TransUnion) | Free |
Your consumer rights in Canada
In Canada you are entitled to obtain a free copy of your credit report from both Equifax and TransUnion through the options they provide (online, by mail or by phone). Paid monitoring services are optional and governed by the vendor's terms; there is no universal statutory automatic refund or cooling‑off period for these subscription services, so any refund rights depend on Equifax’s published terms and the specific product purchased.
Customer experiences
User reports are mixed but include several recurring issues: many consumers describe difficulty cancelling online and say phone cancellation is often required; others report long automated menus, unhelpful agents and unexpected or continuing charges after attempts to cancel. There are also complaints about errors in credit files and delays resolving disputes. Conversely, some customers successfully cancel via phone or registered written requests when they keep clear records and confirmation numbers.
Documentation checklist
- Account email/username and any account or order number
- Full name, date of birth and the Social Insurance Number or last‑4 digits (if used for verification)
- Billing method and recent card or transaction details (date and amount)
- Copies/screenshots of order confirmations, receipts and any prior correspondence
- Preferred cancellation date and explicit refund request (if applicable)
- Mailing address and a printed, signed cancellation letter if sending by registered mail
Common mistakes
Common errors include assuming an email or partial message automatically cancels billing (always obtain explicit confirmation), not saving confirmation numbers or screenshots, calling the wrong support number or using the wrong country site, and waiting until after a renewal date to act. Also, attempting to cancel via an app that does not exist or via an automated chatbot without getting a human confirmation can leave you exposed to further charges - document every step and keep proof of your cancellation request.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (consumer portal) | Depends on subscription terms; ask at cancellation | Often reported as difficult or unreliable to complete online |
| Phone | Depends on terms; ask the agent and get confirmation | Commonly works but may involve long menus and variable agent support |
| Mail (registered) | Depends on terms; provides strongest proof of request | Moderate - requires preparing and waiting for delivery/response |
| App / App Store | Not applicable (no consumer app in Canadian Apple App Store) | Not applicable |
After cancelling
After you cancel, immediately save any confirmation number, email or screenshot and monitor your bank or card statements for charges in the following billing cycle. If you requested a refund, record the agent’s name and promised timeline and follow up in writing if it is not received. If you want account data removed or corrected, submit a privacy request as described in Equifax’s privacy policy. For a free copy of your credit report or to check for unresolved errors, request your statutory free report from Equifax or TransUnion.
Useful links: Equifax Canada consumer home and account pages - Equifax Canada, Equifax sign‑in, general contact - Equifax contact, official guidance on credit reports in Canada - Government of Canada: credit reports and score. For written cancellations, send by registered mail so you have proof of delivery and date received.
Address
National Consumer Relations, PO Box 190, Stn Jean‑Talon, Saint‑Léonard, QC, H1S 2Z2, Canada