Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Experian
2 Bloor Street Suites 3501 & 3502
M4W 1A8 Toronto
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Experian 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 notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
18/01/2026
Cancellation Experian: Easy Method
What is Experian
Experian is one of the major consumer credit reporting and identity-protection companies. It provides credit reports and FICO® Scores, credit-monitoring and identity-theft protection services, alerts, and related products to consumers and businesses.
In Canada, consumers typically use Experian for regular access to their Experian credit report and score, identity monitoring and alerts, and add-on services such as identity-theft insurance and resolution support provided under subscription plans.
How to cancel Experian
- On the web (Experian account): Sign in to your account, go to Help Center → Membership → Manage Membership Plan or Membership Details, and choose to switch to the Free/CreditWorks Basic plan. Some users report this path is hidden or inconsistent; if you cannot find it, proceed to other methods below. For Experian help pages, see Experian subscription help.
- By phone: Call Experian customer service for Canada/US at 1‑866‑617‑1894 (or 1‑888‑397‑3742 for certain services). Ask the agent to cancel the paid membership, confirm whether cancellation is immediate or at period end, and request written/email confirmation of cancellation and the cancellation date.
- By email: Send a cancellation request to support@experiandirect.com or support@experian.com from the email address associated with the account. Include your full name, account email, last four digits of the payment card, the date of charge or renewal, and request written confirmation.
- App Store / Google Play subscriptions: If the subscription was billed through Apple App Store or Google Play, cancel directly through Apple or Google (Experian cannot cancel those on your behalf). Contact Experian for guidance if you need help identifying which billing method was used.
- Registered mail (recommended for disputes or where proof of delivery is required): Send a written cancellation letter (include account details and requested cancellation date) by registered mail to Experian Canada to create a proof-of-delivery record.
What happens when you cancel
When you cancel a paid Experian membership, your access to paid features typically ends either immediately or at the end of the current paid billing period - Experian’s customer service should confirm which applies to your account. Many users remain able to view basic credit information on the free tier (CreditWorks Basic), but pay-only features (daily FICO scores, identity theft insurance, three‑bureau monitoring and other premium services) generally stop once the paid subscription ends.
Cancellation does not delete your Experian account by default; account records and historical data are retained according to Experian’s data-retention and privacy policies. If you need account deletion or specific data removal, request that explicitly and get written confirmation.
Will I get a refund?
Refunds depend on timing and the reason for cancellation. Some providers or jurisdictions offer a short “cooling-off” or trial period where new customers can cancel and obtain a full refund; Experian’s own documentation in other regions references a 14‑day cooling-off right for some purchases, but that is not an automatic Canada-wide statutory right. In practice, Experian’s stated policy and user reports indicate that after any trial or cooling-off window expires, pro‑rated refunds are generally not provided and the subscription remains active through the end of the paid billing cycle.
Exceptions occur: customers reporting erroneous charges, billing mistakes, or immediate cancellations after an unwanted charge have sometimes received refunds. If you believe a charge is erroneous, request a refund in writing and keep documentation; you can also contact your bank or card issuer to dispute unauthorized or incorrect charges if necessary.
Experian plans and pricing
| Plan | Price (approx.) | Period | Features |
|---|---|---|---|
| CreditWorks Basic | C$0.00 | Monthly | Free Experian credit report, FICO® Score, credit monitoring, alerts, FICO® Score tracker, dark‑web surveillance, personal privacy scan |
| CreditWorks Premium | approximately C$34.99/month | Monthly (after 7‑day trial) | Daily Experian FICO® Scores, 3‑bureau monitoring and alerts, identity theft monitoring, up to US$1M identity theft insurance, Experian CreditLock, fraud resolution support, privacy scans |
| CreditWorks Family | approximately C$49.00/month | Monthly (after 7‑day trial) | All Premium features plus coverage for 2 adults and up to 10 children, quarterly 3‑bureau reports and FICO® Scores, daily Experian report updates |
| IdentityWorks Plus (1 adult) | approximately C$14.99/month | Monthly (after trial) | Identity protection monitoring for one adult |
| IdentityWorks Premium (1 adult) | approximately C$29.99/month | Monthly (after trial) | Enhanced identity theft protection for one adult |
| Standalone Credit Report + FICO Score | approximately C$26.00 - C$27.00 | One‑time | Single Experian credit report with FICO score |
Your consumer rights in Canada
Canada does not have a single federal 14‑day automatic cancellation right for all online subscriptions equivalent to some international “distance selling” rules. Refunds and cancellation rights are principally governed by the contract you accepted when subscribing and by applicable provincial consumer-protection laws, which vary by province and by the type of product or service.
Practical steps to protect your rights in Canada: read Experian’s terms and any trial conditions at sign-up, insist on written confirmation of cancellation, preserve records of communication and delivery, and if you suspect unauthorized billing, contact your card issuer to dispute charges. For subscriptions billed through Apple or Google, follow those platform providers’ refund and cancellation processes. When disputing billing or requesting remedies, registered mail to Experian Canada can create a verifiable paper trail.
Customer experiences
Experiences reported by Canadian and international customers are mixed. Positive feedback commonly highlights the ease of freezing/unfreezing credit, the convenience of Experian Boost-type features that may improve credit scores, and the visibility into credit and identity-monitoring controls through the app and website.
Negative reports focus on difficulty cancelling paid memberships (hidden or unclear cancellation paths), long hold times and inconsistent customer-service responses, and instances of continued billing despite cancellation attempts. Some customers also report unsolicited promotional communications and dissatisfaction with dispute handling. Many users advise keeping careful documentation and obtaining written confirmation whenever you cancel.
Documentation checklist
- Account email and full name as registered with Experian
- Membership or account number (if shown), and last four digits of the payment card
- Date(s) of trial start, renewal, or unwanted charge and amount charged
- Screenshots of subscription pages, billing details, or cancellation attempts
- Copies of emails or chat transcripts with support and any written confirmation of cancellation
- Registered‑mail proof (tracking/receipt) if sending a cancellation letter to Experian Canada
Common mistakes
Common errors include assuming Experian can cancel subscriptions billed through the Apple App Store or Google Play (you must cancel through the platform), failing to obtain written confirmation of cancellation, and not checking whether cancellation is immediate or effective at the end of the paid billing period. Another frequent problem is waiting until after renewal to act; cancelling during a trial or immediately after an unintentional charge improves chances of a refund. Finally, relying solely on automated chat without saving transcripts can make disputes harder to resolve.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (Manage Membership) | Refunds uncommon after trial; full refund possible during trial or within any short cooling-off window | Low - Medium (can be hidden or inconsistent) |
| Phone | Case‑by‑case; may obtain refund for errors or immediate cancellations | Medium - High (long hold times reported) |
| Case‑by‑case; written record useful for disputes | Medium | |
| App Store / Google Play | Refunds handled by Apple/Google; Experian cannot cancel these subscriptions | Varies (managed via platform) |
| Registered mail to Experian Canada | Provides evidence for disputes; refund outcome still case‑by‑case | Low - Medium (creates verifiable paper trail) |
After cancelling
After you cancel, keep the written confirmation (email, letter or confirmation number) and monitor your payment method for any unexpected charges. Check your Experian account to confirm premium features are disabled on the expected date and that your account has been switched to the free tier if desired.
If you believe you were charged in error or if charges continue after cancellation, contact Experian with your proof, and if unresolved, contact your bank or card issuer to dispute the charge. For platform‑billed subscriptions use Apple or Google support to request refunds or cancellations. Helpful pages: Experian subscription help (Experian manage bills & subscriptions), official cancellation guidance (How to cancel (support article)), and general advice on disputing charges (cancellation & dispute guide).
Address
Experian Canada
2 Bloor Street Suites 3501 & 3502
Toronto, Ontario M4W 1A8 Canada