I don't believe by law iqor can do that. When you signed your contract you gave Rogers permission to enter your credit file. I have an iqor item in my file and I am in the process of sending a letter under the privacy act to produce a consent form, which I agreed for them to go into my credit file. If they can't produce then remove the item I state to them.

yeah, I didsubmit the letter a few weeks ago.
One fursther question.

Rogers has a deragotory comment about the account, which is understandable since I stiffed them on a bill.

IQOR also has a file on the same account.

So why should I have 2 deragatories on my file, for just one account?
Isn't this a double whammy? Punished twice for the same crime. As i assume the IQOR comment is effecting my credit as well.

I would submit your release letter to the credit bureau right away and hopefully your date of last activity won't change. It is possible that iqor could put the settlement date in your credit file and this item could remain in your file till May/2015.

The account was closed in 11/2004 for non payment.
I finally settled the debt with IQOR last month.

Rogers continously updates the date of most recent activity to the current active month. as Bad debt, sent to collections. My problem is, if it takes 6 years from date of last activity, then this debt will never go away.

Is there is still a balance on the Rogers account and if so; when was the last time you made a payment on this account?

I wonder if this would work from an old Rogers account signed in 2001.
Does Rogers keep all this old information?

The laws states the information must be verifiable and accurate?
So if they can't anti-up the contract, can I force them to remove the report on my file?

I looked at my Equifax and TransUnion credit reports today and the Collection Account is Gone!

It took time and effort on my part but it was worth it. I had to document everything and file a complaint with the Office of the Privacy Commissioner of Canada.

If I had just given up it would have stayed on my credit files until 2013.

This is a nice little victory for us all :-)

Hey Monty,

Yea, I'm really happy about this coming of my credit reports. I have another collection item on my credit report and I am also following the same process with that item.

I sent the PIPEDA information request letter. But the company did not provide me the information within 30 days. I filed a complaint with Office of the Privacy Commissioner of Canada (privcom).

An investigator was assigned to my file. I called her she called the company to ask about my complaint. The company told the privcom investigator that they never received a written request from me. That was a lie and I had proof as I documented every step. I had fax transmission confirmation and the tracking number of the letter. I scanned all the documents and sent it to the privcom investigator. Then I received the information within a week.

The contract that they sent me with my signature on it did not say that they can disclose my information to a credit reporting agencies. So, this past Friday I faxed and emailed the company another letter telling them to remove the collection item from my credit reports immediately as they disclosed this information to the credit reporting agencies without my knowledge or consent. I Cc'd the privcom investigator on my email. I have given them 10 days to reply.

They will have to take the collection item off my report just like Cash Money did as they cannot provide me with a contract with my signature that has my consent.

These 2 items were placed on my credit reports mid 2008 so I should see a big boost to my credit score when they are both taken off.

Monty, I'll be happy to talk to you about this. Just PM me with your number and I'll give you call.

MightyDread,
That's the best news I've heard in a while..!!! Nicely done!!!

This is what I've been telling people. You've actually got results in from the privacy commission. !

The next step of course is to verify that the item came off your credit report.

THIS IS BIG NEWS!!
Unless a complaint is lodged against your business, little will likely happen. Though the Privacy Commissioner cannot penalize for noncompliance
or force businesses to implement its measures, companies that do not abide by the act’s requirements take risks.

This is also what I've been telling people. You have to complain in writing in order to get results. The privacy commission and consumer protection won't deal with an issue unless they've got it in writing.

Mighty Dread... I'm interested to have a phone visit with you on this matter. Is that possible?

average_joe

Q. If they were in breach what would be the repercussions for them.

Here is What I found on the website of Brooks Law, a Toronto-based business law firm:

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Unless a complaint is lodged against your business, little will likely happen. Though the Privacy Commissioner cannot penalize for noncompliance
or force businesses to implement its measures, companies that do not abide by the act’s requirements take risks.

The Commissioner’s mandate is to investigate complaints received about a business’ privacy practices. To this end, the Commissioner has been given broad powers to investigate, mediate and conciliate complaints. If appropriate, the Commissioner would produce a report requesting particular remedial measures. Mostly though, the Commissioner negotiates and works with businesses to remedy non-compliance. The Commissioner is also empowered to publicly reveal information concerning a business’ privacy practices, or lack thereof, but has so far eschewed such a policy. The report may be taken to the Federal Court for implementation, whereupon the court may also order unlimited damages to the complainant, including punitive damages for humiliation.

There are also “offences” under PIPEDA of which businesses should be aware. It is an offence to (i) destroy personal information that has been requested; (ii) retaliate against an employee who has lodged a complaint or refuses to contravene certain sections of PIPEDA; and (iii) obstruct the Commissioner’s investigation. Such offences are punishable by fines of up to $100,000.00.
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