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Why Mixed File Credit Reports Can Be Difficult to Correct

Why can mixed file reports be difficult to correct

Is information on your credit file mixed up with someone else’s? A mixed file error is more than a mere frustration—it’s an error that must be fixed to protect your financial future. Read on to learn why mixed file credit reports are so difficult to correct, and what you can do to fix this significant error.

 

What Is a Mixed File Credit Report?

Mixed file is one of the most common—and damaging—credit report errors. This troublesome situation occurs when another person’s information is submitted to your credit report because of a shared name, birth date, address, or similar Social Security Number. A mixed file is so difficult to remedy thanks to the credit bureaus’ automated approach to dispute resolutions.

Credit reporting agencies deal with thousands of disputes each day, often outsourcing the process to overseas workers. Often, the only way to resolve a mixed file is to contact credit bureau employees who have the specific authority to remove the error—and reaching them directly can be nearly impossible.

 

Why Do Mixed File Errors Occur?

Each credit reporting agency relies on a data entry system that’s designed to allow for a certain amount of error—that means the systems accept data that’s not an exact match. Anything from an incorrect middle initial to a Social Security Number that’s off by just one digit can be added to your report, and the false information can lead to a mixed file error.

 

What Can You Do to Fix a Mixed File Error?

If you’re dealing with a mixed file error on your credit report, the big three credit bureaus—Equifax, Experian, and TransUnion—must be notified about the mistake. They also must pinpoint why the mistake occurred in the first place so that it won’t happen again.

Because credit bureaus are overwhelmed with disputes every day—and lack the manpower to deal with most disputes individually—you have two options: ignore the information and hope that it won’t damage your credit or reach out to an experienced credit dispute attorney to contact the agency, fix the error, and sue for financial damages when applicable. Judges are siding with consumers more and more, so you may be entitled to punitive damages for the error.

 

Rely on the Credit Dispute Attorneys at Boss Law to Fix a Mixed File Error on Your Credit Report

Mixed file errors on your credit report can do lasting damage, not only to your credit rating but to your overall financial standing. Rather than spending time and hassle dealing with the credit bureaus yourself, reach out to the expert credit dispute attorneys at Boss Law today. We’ll deal with the credit bureaus so that you don’t have to, and we’ll pursue financial compensation for your case, if applicable. Call us now at (727) 877-3188 for your free consultation.

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