Mixed Accounts

As consumers, each of us has a credit report with the major credit reporting bureaus. Those reports are used by employers, lenders, and others for a variety of reasons, including when applying for mortgages, auto loans, or other financial products. Unfortunately, the information included on credit reports can sometimes be inaccurate. In fact, in many cases, consumers’ credit reports can somehow end up mixed or merged with someone else’s credit information.

Negative information about someone else that is reported incorrectly on your credit report could result in:

  • Being denied employment or advancement opportunities at work
  • Denial of an application to rent a house or apartment
  • Denial of credit or higher interest rates on a mortgage, auto, or other loan

A mixed credit report attorney can help you correct issues related to mixed accounts or other information and pursue your rights under the Fair Credit Reporting Act (FCRA.)

Frequently Asked Questions About Merged or Mixed Credit File Problems

Q: How do credit reports become mixed or merged?

A: Mixed or merged credit report issues can occur when a credit reporting agency incorrectly matches information without using a consumer’s full identifying information. For example, pulling records for someone named Jane Smith — even when using the same birth date — would likely include many results, unless the records and information are also sorted using Jane’s full Social Security number, middle initial, and address, including zip code.

Q: What are some of the potential consequences of mixed information on my credit report?

A: You could potentially face denials on credit card or loan application, be denied employment opportunities, or not be able to pass a landlord’s rental screening process. These issues, in turn, can lead to embarrassment, anxiety, emotional distress, and harm to your personal reputation.

Q: What should I do if I discover my credit report contains mixed or merged information?

A: If you learn that your credit report includes information about someone else’s accounts, it is important to take action right away. Your mixed report attorney can help you dispute the information and ensure it is removed from your record.

Why Hire an Attorney if You Have a Mixed Credit Report Issue?

You do not technically need to hire an attorney to fix credit report issues, including issues related to mixed or merged information. However, the reality is that it can be difficult to fix these types of issues on your own. That’s because you need to not only alert the credit bureau to the error, but you also need to provide sufficient information to enable them to investigate the circumstances.

Ultimately, the credit bureau will need to determine the legitimacy of the request to remove the other person’s data/correct their mistake. Hiring a skilled, experienced attorney who has helped other consumers with mixed credit issues in the past can help streamline this process for you and take the stress out of correcting your record and restoring your credit. Under certain circumstances, you may be entitled to compensation if the credit agency’s error harmed you in some way. Your attorney can help you fight for any compensation you are owed.

Stein Saks, PLLC can help you clean up your credit report by removing information that belongs to others, once and for all. Our firm is focused on consumer rights advocacy, and we have deep knowledge and experience helping people fix all types of credit report issues.

To explore your options and discuss your case with a skilled consumer protection attorney, contact us today!

If you believe you are the victim of a violation of one or more of FACTA’s provisions, contact Stein Saks, PLLC today to schedule a consultation.

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