Mixed File Credit Reports and the Fair Credit Reporting Act: What You Should Know

Mixed file credit reports and the FCRA

Is someone else’s information showing up on your credit report? This seemingly simple mistake, called a mixed file error, is a big deal. It’s never a good idea to have other people’s information on your account. It can result in denied credit, disqualified loans, and many other problems. Luckily, consumers are reported under the Fair Credit Reporting Act. Read on to learn everything you need to know.


What Is a Mixed File Credit Report?

A mixed file credit report is one of the most common credit reporting errors affecting American consumers each year. It occurs when information or credit accounts that belong to someone else appear on your credit report.

Mixed file errors can have a damaging impact on your credit scores and overall creditworthiness, especially if the other person is delinquent on payments or is maxing out their credit card. There are several reasons why credit histories get mixed up, including human errors like typos or misspellings, along with more nefarious causes like identity theft. Some of the other common reasons for mixed reporting include:

  • Common name
  • Co-signing for children or others
  • Family members with similar names
  • Name changes after marriage, divorce, or other reasons

Regardless of the reason why your credit report is mixed up with someone else’s, you need to get the situation resolved right away. The error can lower your credit score and even keep you from getting approved for new lines of credit in the future.


Consumers Are Protected Under the Fair Credit Reporting Act

A mixed file credit report can have a devastating impact on your finances, which is why consumers are reported under the Fair Credit Reporting Act. Every consumer is entitled to have any and all incorrect information on their credit report addressed and fixed within 30 days of filing a dispute.

Not only are credit bureaus obligated to correct mixed file errors, but, in some cases, they’re also liable for damages for financial or emotional distress. Some consumers can receive compensation under the FCRA, along with coverage for attorney fees and other expenses that come with challenging credit bureaus in court.


Fixing a Mixed File Credit Report

Consumers can fix a mixed file credit report on their own, but it’s not recommended. It’s best to work with a team of expert credit dispute attorneys who know who to contact, how to contact them, and what documentation is required to fix the error quickly. On top of that, your attorney can determine whether you’re eligible for financial compensation for financial or emotional distress and pursue your claim in court to hold the credit bureaus accountable.


Fix Credit Report Mistakes Today With the Help of Boss Law

Even a simple error on your credit report can have devastating consequences for your financial future. If you’ve discovered a mixed file error on your credit report, the team of expert credit dispute attorneys at Boss Law can help. We’ll deal with the credit bureaus so that you don’t have to, fixing the error and pursuing financial compensation for your damages whenever applicable. Call us today at (727) 877-3188 to protect your financial future with a free consultation.

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