CONSUMER EMPLOYMENT REPORT (CER)
Gives you the ability to see the information potentially being given out on you when a verification is requested
Employees
Enabling access to credit, securely and privately, through your permission
FREE SOLUTIONS FOR EMPLOYEES
GET VERIFICATION AUTHORIZATION CODE
Allows you to grant verifiers access to your verification
FILE A DATA DISPUTE
If you see information in your CER that is inaccurate or incomplete, simply file a dispute and we will look into it right away
VALUE FOR YOU
Employment and income verifications in Verification Exchange are available instantly, 24 hours a day, 7 days a week. Employees can apply for credit, housing, or government assistance when it is convenient for you and on your timeline. You will not have to bring in any income or employment verification paperwork or wait to have the verification completed. If a manual verification is performed, it is typically 1-3 days.
Our operations are compliant with PIPEDA, which ensures employees have access to their verification request history and a method for recourse if they have a dispute with the verification.
Verifications are handled in-house, meaning Equifax hosts and manages all data, the verification fulfillment, and our own call centre so there are no outsourced providers between the information verifiers need and the data employers provide. We keep employees’ information safe.
Employees can feel a greater sense of confidentiality when conducting their personal business as the verifications are fulfilled through Verification Exchange, a service designed to help keep the process and transfer of information secure.
WHAT IS IT?
Verification ExchangeTM is a new employment and income verifications service in Canada. It is used by lenders, property managers, pre-employment screeners, social service agencies and others who need to verify someone's employment status and sometimes, his or her income as well. Typically, verifications are required when a person applies for a loan, leases an apartment, or applies for a job. Verification Exchange streamlines the information between employers (data contributors) and verifiers (lenders, government agencies, background screeners, etc.) benefiting the employee-consumer by accelerating the decision process while adding security to the transaction and mitigating risk with real data, direct from the data contributor.
Got Questions?
Here are some of the most frequently asked questions.
When an employer decides to use Verification Exchange, a secure account is created for each employee. All of the features that your employer (or former employer) has decided to offer are already set up.
Verification Exchange provides different "types" of verifications for different purposes. For example, if you are looking for a job, your future employer might want to check your past employment while a mortgage lender will typically need to verify your income before giving you a loan. If you apply for social services from a governmental agency, they too will need an enhanced verification. Verification Exchange can meet each of these needs.
Through this website, you must first verify your identity with Equifax. Upon successfully doing so, you may obtain a one-time authorization code for a verifier to use to obtain the verification. You may then willingly share the unique one-time code with the verifier in order to complete the verification.
No. You have to give someone authorization to get your income information from the service. There are numerous ways in which you can give someone authorization to access your income information. The verifier must have your permission or consent. A typical way is by signing an authorization form when applying for a loan. Or, you may validate your identity and obtain a one-time authorization code to share with the verifier to access your employment data.
Yes. We use TLS 1.2 encryption on our site where your personal information is being exchanged. In addition, we have a detailed privacy policy that tells you what we do, and more importantly, what we do not do with information we gather when accessing our services. We apply stringent data security standards combined with physical security controls to protect the data and assets in our data center(s).
CONSUMER EMPLOYMENT REPORT
A Consumer Employment Report is available to you and is a copy of the information potentially given to those requesting employment information on you from Verification Exchange. In addition, we give you a list of each time a verifier has attempted to access some or all of your data using Verification Exchange.
Call our Client Service Centre to request a copy of the report at
Phone 1(877) 500-8353
HOW TO FILE A DATA DISPUTE
CHECK YOUR CONSUMER EMPLOYMENT REPORT (CER)
Checking your CER on an annual basis can help you spot information that may be inaccurate or incomplete.
FILE A DISPUTE FOR FREE
If you see information in your CER that is inaccurate or incomplete, simply file a dispute and we will look into it right away.
INVESTIGATING YOUR DISPUTE
We will contact the employer and investigate. Access to your information will be blocked during the investigation. Within 30 days of your dispute request, we will notify you of the results of our data dispute investigation.
UPDATES TO YOUR CONSUMER EMPLOYMENT REPORT
If we find information that needs to be updated on the CER, don't worry: we'll take care of it.
We provide two ways to dispute information on your Consumer Employment Report:
Print and mail the Employee Data Dispute form, or write to us about your dispute.
DATA DISPUTE FORMThen mail it to:
Address:
7100 Jean Talon Est
10th floor
Montreal, QC
H1M 0A3
Call our client Service Centre to request a copy of the report at
Phone 1(877) 500-8353
WHY VERIFICATION EXCHANGE?
Organizations from small not-for-profit agencies to the largest of corporations choose Equifax to handle the verifications for their employee population. Not only does the service help relieve administrative burdens and costs, it keeps employees’ information secure and helps to mitigate exposure to unauthorized access. Equifax allows only contracted and credentialled verifiers access to the information.
For many of our clients, manual verification requests significantly decrease soon after our service begins. As the industry leader, the Verification Exchange database is globally recognized with best practices in data management and security. As a result, many verifiers already know us and are integrated directly into our process, so they automatically come to us for information first.
Employers know they can depend on the Verification Exchange service. As the industry leader, the Verification Exchange database is globally recognized with uncompromised practices in data management and security. We focus on continuous improvement of security measures, encryption, and implementation of the latest technology to maintain data integrity.
Working with Equifax is simple. We receive income and employment data each payroll cycle and make the connection with the agencies and organizations requesting verification on your behalf. In addition, call centre support is provided for all parties involved to help ensure a seamless verification process.
Equifax experience in Canada with credentialling as well as our experience in the United States positions Equifax to immediately help reduce the number of verification requests coming into the employer. We help employers streamline the transfer of information from their organization to the verifier as they need it.
Helps reduce fraud and borrower/applicant misrepresentation
Additional data points to make improved risk decisions: employment + income + credit from Equifax
Provides consistency and conformity, while helping meet compliance obligations
Current and accurate income and employment data – received direct from employers and is refreshed each payroll cycle. 24 hours a day, 7 days a week access.
Is your employer currently not on the Verification Exchange?
Contact us today to refer your employer.