If you have been defrauded by fake creditors like CBV Collections, you can dispute these fake reports by contacting EquiFax and TransUnion, the two major North American credit bureaus. The quickest way to submit a dispute is online, but you can also download a form and mail it, which ensures that the bureaus receive a physical copy of all of your documents.
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Equifax Form & Mailing Address:
Online & Mail Forms: https://www.consumer.equifax.ca/personal/new-dispute-modal
Equifax Canada Co.
National Consumer Relations
Montreal, Quebec H1S 2Z2
TransUnion Form & Mailing Address:
Online – https://www.transunion.ca/assistance/credit-report-disputes
Mailing Form – https://www.transunion.ca/content/dam/transunion/ca/consumer/documents/Credit%20Investigation%20Request%20Form_en.pdf
TransUnion Consumer Relations Department
P.O. Box 338, LCD1