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Identity Theft / Fraudulent Activities

Theft/Fraud
Identity theft occurs when an individual uses your information without your permission to commit fraud or other crimes, such as account takeover or application fraud. Account takeover has occurred when an individual acquires your existing credit account information and purchases products and services at your expense. Application fraud has occurred when an individual uses your Social Insurance Number or other information to open new credit accounts in your name.

If you believe you are a victim of identity theft, contact the two major credit bureaus listed to place a fraud alert message on your credit file.

TransUnion
All provinces except Quebec:                                  Phone:
Fraud Victim Assistance Department                       800-663-9980
P.O. Box 338, LCD 1
Hamilton, Ontario
L8L 7W2

Residents of Quebec:                                                Phone:
Centre De Relations Aux                                            877-713-3393
Consommateurs TransUnion
1 Place Laval Ouest, Suite 370                                 514-335-0374
Laval, PQ                                                                       (in Montreal)
H7N 1A1

Equifax Credit Information Services
Consumer Fraud Division                                           Phone:
P.O. Box 190 Jean Talon Station                               800-465-7166
Montreal, PQ                                                                  514-493-2314
H1S 2Z2

You may also request a copy of your credit report. You should carefully review your credit reports for: accounts you did not open, inquiries from creditors you did not initiate, and for personal information (such as home address and Social Insurance Number) that is not accurate. If you see anything you do not understand or any accounts you did not open, call the credit reporting agency at the telephone number on the report.

If you decide not to place a fraud alert on your credit file, you can still obtain free copies of your credit report by calling the above noted phone numbers.

Questions

Questions about this Privacy Policy may be directed to our Privacy Officer at 1-866-247-ALLY (2559).