Meryl Harris  |  May 22, 2024

Category: Lawsuits to Join

Mixed consumer credit file: Who’s affected?

Women pulling credit report papers out of envelope.
(Photo Credit: Kittisak Jirasittichai/Shutterstock)

Does your consumer credit file include information about someone else? Have you been denied financing, jobs or housing because of these errors?

Mixed credit files occur when someone else’s information is wrongfully added to your credit file due to having similar names, addresses, birth dates, Social Security numbers or other information. 

Although these errors are often the result of simple mistakes, they can have serious consequences. If someone else’s debt, credit usage or other information is wrongfully attributed to you, you may be denied the opportunity to get certain jobs, receive financing opportunities or live in various properties. 

Due to the complexity of this issue, it can be very difficult to resolve a mixed credit file through a credit bureau’s automated dispute resolution system. You may be able to take legal action to correct your file and collect compensation for financial damages stemming from the credit mix-up.

Do you qualify?

If your credit file contains accounts and information that don’t belong to you, you may qualify to participate in this mixed-credit file investigation.

Please fill out the form on this page for more information.

Mixed credit files: causes and consequences

A mixed credit file occurs when someone else’s information is included in your credit file with a credit bureau such as TransUnion, Experian or Equifax. These digital mix-ups often occur as a result of simple errors such as similar names, birth dates, Social Security numbers, phone numbers or addresses. Similarities or errors in this information can result in multiple files being combined into a single credit file. People who have common names may be at a higher risk for having a mixed credit file.

Unfortunately, mixed credit files can have serious consequences for consumers.

A mixed credit report may result in a decreased credit score if someone else’s debt, credit utilization or hard inquiries are erroneously included in your credit history. If someone else’s debt is included in your credit report, you may be wrongfully denied lending opportunities, jobs or even housing. Having your credit judged based on someone else’s information can be a frustrating experience that is difficult to solve. 

Luckily, you have options to try to remedy this issue and take action under federal law.

Your rights under FCRA

Under the federal Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccuracies on your credit report, including those stemming from mixed credit files. 

To dispute an error on your credit report, you can contact the credit reporting agency to have them correct the issue. Unfortunately, because Transunion, Experian and Equifax receive thousands of these disputes each day, they are often handled by automated processes. Although these systems effectively resolve simple disputes, they may be unequipped to handle the tangled web of a mixed credit file.

If you reach a real person within the agency, he or she may be able to remove or change information in your file to resolve the issue. However, it can be challenging to reach someone with the authority to do so, leaving some consumers frustrated.

Join a mixed credit file lawsuit investigation

You may be able to take legal action against the credit reporting agency that mixed your credit file, including requiring credit bureaus to correct your file. You may also be able to recover compensation for financial harm related to mixed-credit files, such as denied job or credit opportunities.

If your credit file contains accounts and information that don’t belong to you, you may qualify to participate in this mixed-credit file investigation. 

See If You Qualify

Join a mixed credit file lawsuit investigation

By submitting your information, you agree to receive communications from Top Class Actions and to be contacted by an attorney or law firm or their agents to discuss the details of your potential case at no charge to you if you qualify.

After you fill out the form, an attorney(s) or their agent(s) may contact you to discuss your legal rights.

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