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Equifax Mistakes — A Violation of the Fair Credit Reporting Act?

Equifax has a reputation for merging credit information that belongs to two entirely different people, especially when people share the same name (such as father and son). This mistake is known as a Mixed Credit File. The damage caused by mixed credit file mistakes can cost the victims HUNDREDS of credit points and can keep you from accessing new credit – like mortgages, car loans or credit cards.

How Equifax Mixed Credit Reports Damage You:

When your credit file is merged with another person – you get the good and the bad. The bad is that negative accounts – charge offs, foreclosure, bankruptcy, and late payments will appear on your account. The consequence of this mistake is a drastic drop in credit score.  The result — you may find difficulties in qualifying for work background checks and you will be rejected new credit. 

Why Should You Hire a Credit Report Lawyer?

Lenders and credit bureaus are typically massive companies. The credit reporting process has been completely automated – for example, a mixed file credit error is typically a computer error. The lenders or credit bureaus automated reporting system simply made a mistake.  The problem is that fixing the mistake can be incredibly challenging, frustrating and time consuming. The credit dispute process is also automated —so, the victims of these mistakes have a terrible time getting help. 

These mistakes are not the consumer’s fault. If a lender or credit bureau does not fix a mistake after a proper consumer dispute — the lender and/or the credit bureau broke a federal law – the Fair Credit Reporting Act. At Boss Law, we sue the lenders and bureaus for these mistakes – an you may be entitled to damages, punitive damages and attorney’s fees. 

At Boss Law we take your case on contingency — which means that we do not get paid, unless you get paid.  

When Equifax refuses to fix your credit — call us, we may sue them in federal court on your behalf. 

What Are The Most Common Credit Report Errors?

Some of the most frequent mistakes you can find in your credit report include:

  • Merged or mixed files
  • Incorrect criminal records 
  • Incorrect credit information
  • Inquiry information — such as unauthorized accesses to your private information
  • Incorrect tax and judgment liens 
  • Accounts listed as open even if you closed them
  • False account statements such as being stated as a cosigner 
  • Incorrect public record information — bankruptcies or lawsuits
  • Incomplete or incorrect personal information such as name, marital status, address, current or past employment.

Let us fight on your side and build your credit

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20 years of experience

More than +1,000 clients helped.

Boss Law Is Here To Help You Repair Your Credit Report

If Equifax or any company is incorrectly reporting information – please call us immediately. The consultation is FREE and we can help you with your credit bureau dispute process – at no charge.
Call or email Boss Law today.

Attorney Advertising Disclaimer: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Prior results do not guarantee a similar outcome. Boss Law 9887 4th St N #202, St. Petersburg, FL 33702