Cancel EQUIFAX online
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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.
Cancel Equifax: Step-by-Step Guide
What is Equifax
Overview
Equifax is a credit reporting and data services company that supplies credit checks, monitoring, and related services to consumers and businesses in New Zealand.
The company aggregates credit, public-record and verification data to provide identity checks, credit reports and alerting products.
Typical services
Products commonly include consumer and commercial credit checks, alert monitoring, property and identity checks, and searches of public records such as fines and driver licence details.
Services are offered via subscriptions, pay-per-report access, and operator-assisted options for different user needs.
How to cancel Equifax
Before you start
Locate your account details, contract or invoice and note the subscription type and payment method (direct debit or non-direct debit).
Decide whether you want immediate termination, end-of-term cancellation, or to stop auto-renewal only.
Step-by-step cancellation steps
- Log in to your Equifax account (if active) and look for subscription or billing settings to cancel or turn off auto-renewal.
- Contact Equifax customer service by phone or online chat to confirm cancellation and request written confirmation of the stop date.
- Send a signed written cancellation request by post to PO Box 912012, Victoria Street West, Auckland 1142 if you prefer a paper record.
- If you pay by direct debit, contact your bank to cancel the direct debit authority after receiving confirmation that Equifax has processed your cancellation.
- Keep copies of all communications and a reference number for follow up if charges continue.
What happens when you cancel
Access to services
When cancellation is processed, your access to subscription features will typically end at the end of the billing period or immediately if requested and agreed.
Some pay-per-report access or operator services may remain accessible until used or until the account credit is exhausted.
Renewal and data handling
Auto-renewal should be stopped once cancellation is confirmed; verify you receive written confirmation of the stop date.
Equifax will retain account and credit-reporting records as required by law and its policies; you can request correction or removal of personal information under privacy law where appropriate.
Will I get a refund?
General refund policy
Refunds depend on Equifax’s terms and conditions and the timing of your cancellation relative to your billing cycle.
Common outcomes are no refund for past completed service periods, or a pro-rata refund only if specified in the contract.
Possible exceptions and steps
- Cooling-off period: if you cancel within any statutory or contractual cooling-off window, you may be eligible for a full refund.
- Billing errors or duplicate charges: request a refund and provide proof; these are commonly corrected.
- Service faults or failure to deliver: pursue a refund or remedy and keep written records of complaints.
Equifax plans and pricing
Pricing summary
The table below lists common annual subscription options for Equifax services in New Zealand as published.
Other access options such as pay-per-report or operator-assisted services are available but may require direct contact for specific pricing.
| Plan | Price | Period | Features |
|---|---|---|---|
| Full Subscription (Direct Debit) | NZ$270.00 | Annual | Includes consumer & commercial credit checks, alert monitoring, property checks, MOJ fines search, driver’s licence checks, and more. |
| Full Subscription (Non - Direct Debit) | NZ$355.00 | Annual | Same as above, paid via non-direct debit method. |
Your consumer rights in New Zealand
Privacy and correction rights
Your personal credit information is protected by the Privacy Act 2020 and the Credit Reporting Privacy Code administered by the Privacy Commissioner.
You have the right to access your information, request corrections, and complain to the Privacy Commissioner if issues are not resolved.
Consumer protections and complaints
The Consumer Guarantees Act and Fair Trading Act provide protections where services are not delivered with reasonable care or as described.
If Equifax does not resolve a billing or service dispute, you can escalate complaints to Consumers NZ or the Privacy Commissioner and consider dispute resolution routes.
Customer experiences
Positive feedback
Many customers find Equifax useful for monitoring credit, detecting identity issues, and obtaining comprehensive credit and property checks.
Subscription services are often praised for breadth of data and alerting capabilities.
Common criticisms
Some customers report confusion about billing, difficulty cancelling auto-renewals, or delays in refund handling.
Others note that customer support experiences vary and that keeping careful records helps resolve issues faster.
Documentation checklist
What to include when cancelling
- Account number or customer ID and registered email address or phone number.
- Copy of current invoice or subscription confirmation showing billing period and payment method.
- Proof of identity (e.g., name, address) if required to confirm your account.
Other useful documents
- Direct debit authority details from your bank if you will cancel the bank instruction.
- Copies of previous communications with Equifax and any reference numbers.
- Bank statements showing recent payments if disputing charges.
Common mistakes
Assuming cancellation is immediate
Many people assume that notifying support stops access and billing immediately, but cancellations often take effect at the end of the current billing period.
Always confirm the effective stop date in writing and check your next bank statement.
Not cancelling direct debit separately
If you do not cancel the direct debit authority with your bank after confirming Equifax will cancel the subscription, the bank may continue to honour payments.
Another frequent error is not keeping a copy of the cancellation request or failing to include the account ID, which delays processing.
Comparative recap
Quick comparison
The table below highlights the main differences between the two common annual plans and what to watch for when cancelling.
Use this to check your own plan type and expected cancellation outcomes.
| Plan | Price (Annual) | Payment method | Key notes for cancellation |
|---|---|---|---|
| Full Subscription (Direct Debit) | NZ$270.00 | Direct debit | Confirm auto-renewal is stopped and cancel bank direct debit authority after written confirmation. |
| Full Subscription (Non - Direct Debit) | NZ$355.00 | Non - direct debit (card/invoice) | Check invoice terms for refunds and ensure the billing account is closed to prevent future invoices. |
After cancelling
Follow-up actions
Keep written confirmation of cancellation and monitor bank statements for any unexpected charges for at least one billing cycle.
Request copies of your final reports or receipts in case you need them for records or disputes.
Helpful links and contacts
- Equifax New Zealand - official site for account access and contact info.
- Office of the Privacy Commissioner - for privacy and correction complaints.
- Consumers NZ - guidance on consumer rights and disputes.
Address
Mailing address for cancellation
Use the following postal address for written cancellation requests and correspondence related to credit information access:
PO Box 912012, Victoria Street West, Auckland 1142
Alternate public address
Some public-facing communications use a Private Bag address for marketing suppression and public enquiries; if unsure, the PO Box above is appropriate for cancellation letters.
If sending by registered mail, keep tracking information and a copy of the signed cancellation for your records.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.