Rogers Unauthorized Credit Pull: Class Action Lawsuit Details

Is there a class action lawsuit against Rogers?

Yes. A class action lawsuit has been certified against Rogers Communications and Rogers Bank for conducting unauthorized soft credit checks on Canadian customers. The case, Trueman v. Rogers Communications Canada Inc., 2025 ONSC 5972, was certified by the Ontario Superior Court of Justice on October 23, 2025, and seeks up to $52 million in damages.

Rogers Credit Check Breach Details

The lawsuit alleges that Rogers Bank regularly accesses the personal credit information of Rogers Communications’ customers through soft credit checks, without obtaining the customers’ consent. According to Sotos Class Actions, the plaintiff discovered six soft credit checks conducted by Rogers despite maintaining good account standing. Furthermore, Rogers continued these checks after the plaintiff explicitly withdrew consent.

Lawsuit Allegations

The class action alleges breach of Canadian privacy laws including intrusion upon seclusion, breach of contract, breach of confidence, and Quebec privacy statutes. The defendants’ Statement of Defence claims that soft inquiries were disclosed in the terms of service and that continued use implies consent. Rogers also stated that they stopped soft inquiries upon specific request from the plaintiff.

“This is an action about the collection and use of credit information, using non-intrusive privacy protective means, to pre-approve existing customers for Rogers branded credit cards.”

— Rogers Defendants, 2nd Amended Statement of Defence

Eligibility and Sign Up

The class includes persons in Ontario, Quebec, and Alberta with Rogers post-paid contracts from January 1, 2015. Customers are automatically included in the class action unless they opt out. Class periods vary by customer type:

• Shaw customers: January 1, 2015 through December 4, 2024
• Rogers customers activated before March 16, 2025: through April 13, 2025
• Rogers customers activated March 16–April 12, 2025: through July 17, 2025

What if my credit was pulled without authorization?

If you discover unauthorized credit inquiries on your report, you have several options to address this situation and protect your rights as a consumer.

Immediate Steps to Take

1. Obtain your credit reports from Equifax and TransUnion to identify all inquiries
2. Document each inquiry with dates, the creditor name, and whether you authorized it
3. File a dispute with the credit bureaus to challenge unauthorized inquiries
4. Contact Rogers directly to request an explanation and removal of unauthorized pulls
5. Consider participating in the class action if you fall within the class definition

Impact on Credit Score

Unlike hard credit checks, soft credit checks do not impact your credit score. According to American Express Canada, soft inquiries are used for pre-approval purposes and leave no trace on your credit file. However, the unauthorized access to your personal financial information represents a privacy violation regardless of score impact.

Reporting to Authorities

You may file complaints with the Office of the Privacy Commissioner of Canada, which previously found that telecom unauthorized credit checks for marketing violate PIPEDA. The Financial Consumer Agency of Canada (FCAC) also found that Rogers Bank breached regulations by issuing cards without express consent or written confirmation.

Does Rogers check your credit?

Yes. Rogers Communications and Rogers Bank have been conducting soft credit checks on customers to evaluate eligibility for Rogers Bank credit cards, often without obtaining proper consent.

Rogers Practices Exposed

The class action alleges that Rogers conducted soft credit checks for marketing and promotional purposes related to Rogers Bank. According to MobileSyrup, a 2015 Office of the Privacy Commissioner report found that telecom unauthorized credit checks for marketing violate PIPEDA—a precedent directly relevant to this case.

“snooping” into customer credit files without permission.

— Austin Blake, iPhone in Canada

Privacy Policy Review

Rogers claims that soft inquiries were disclosed in their terms of service, and that continued use of services implies consent. However, plaintiffs argue this does not constitute valid consent under Canadian privacy law. The defendants’ Statement of Defence also states that Rogers Bank requires a hard credit check to issue cards and denies having a practice of issuing unsolicited cards.

How to remove unauthorized credit inquiry?

You can dispute unauthorized credit inquiries with the credit bureaus and request their removal from your credit report.

Dispute Process with Bureaus

Contact both Equifax and TransUnion to dispute unauthorized inquiries. Provide documentation showing you did not authorize the credit check. The credit bureaus are required to investigate and remove invalid inquiries. Soft inquiries from unauthorized parties may be disputed on the basis that proper consent was not obtained.

Timeframes for Removal

Credit bureaus typically have 30 days to investigate disputes. Once verified as unauthorized, inquiries should be removed from your report. The dispute process is free and can be initiated online through each bureau’s website.

Legal Recourse

Beyond disputing with credit bureaus, affected customers may have legal recourse through the class action lawsuit. The certified claims include breach of contract, breach of confidence, intrusion upon seclusion, and violations of Quebec privacy statutes. As noted by the Ontario Bar Association, the court rejected regulatory processes as a preferable alternative to class action litigation in privacy cases.

How do I contact Rogers about unauthorized credit pull?

You can contact Rogers through multiple channels to report unauthorized credit pulls and request an explanation.

Phone and Email Options

Contact Rogers customer service directly through their main support lines. For privacy complaints specifically, request to speak with the privacy or compliance department. Document all communications, including representative names, dates, and reference numbers.

Customer Service Details

When contacting Rogers, be prepared to provide your account information, details about the unauthorized inquiry, and your request for explanation or remediation. Ask for written confirmation of any commitments made during the call.

Fraud Reporting

If you believe your personal information has been misused, consider filing a report with the Canadian Anti-Fraud Centre. For privacy violations specifically, the Office of the Privacy Commissioner of Canada accepts complaints regarding PIPEDA breaches.

Legal Status and Next Steps

The class action lawsuit is currently in the appellate stage, with decisions expected in 2026. The Ontario Superior Court certified the class action on October 23, 2025, and the defendants have appealed both the certification and the denial of summary judgment.

The court certified claims for breach of contract, breach of confidence, intrusion upon seclusion, and violations of Quebec privacy statutes. The lawsuit seeks damages and an injunction against further unauthorized use of credit information.

Rogers has remediated 481 FCAC complaints related to unsolicited cards, according to their Statement of Defence. The plaintiff alleges no financial loss was suffered, but the privacy violation claims proceed on behalf of the class.

Timeline of Events

The following timeline summarizes key dates in the Rogers unauthorized credit check class action lawsuit:

Additional Sources

• Sotos Class Actions — Primary Case Page
• Ontario Superior Court — Certification Decision PDF
• Rogers Communications — Statement of Defence
• iPhone in Canada — Class Period Details
• MobileSyrup — OPC Precedent Coverage
• Ontario Bar Association — Legal Analysis
• American Express Canada — Credit Check Definitions
• FCAC — Official Credit Basics

Customers affected by unauthorized credit checks should monitor their credit reports, document any suspicious inquiries, and consider their participation options in the certified class action.