Mixed File Studies and Articles

One of the most common and well documented credit reporting errors is a "Mixed Credit File." The mix happens when credit bureaus confuse two or more consumers, and attribute credit data to the wrong consumer. This usually happens when consumers share a last name and several other identifiers like a birthday and former zip code. Most frequently, these mixes occur in famililes where family members share a given name like "Joe" and "Joe, Jr."

The issue with mixed files has existed since before the 1970 enactment of the Fair Credit Reporting Act. This problem has been documented in Congressional history of the FCRA, dozens of reported cases, and several enforcement actions by the government agencies. Below are a number of the published documents discussing the problem.

If you have credit information that belongs to someone else on your credit report, or believe that you have been a victim of a mixed credit files. Call us today at (888) 400-Credit for a free consultation or send us an email!

• Escaping Battered Credit: A Proposal for Repairing Credit Reports Damaged by Domestic Violence, University of Pennsylvania Law Review

• Anderson v. Equifax Info. Servs., LLC, No. 2:16-CV-2038-JAR (D. Kan. Mar. 29, 2018)
• Campbell v. Experian Information Solutions, Inc., No. 08-4217-CV-C-NKL, at *1 (W.D. Mo. Nov. 13, 2009)
• Neclerio v. Trans Union, LLC, 983 F. Supp. 2d 199 (D. Conn. 2013)
• Valenzuela v. Equifax Info. Servs. LLC, No. CV-13-02259-PHX-DLR, at *1 (D. Ariz. Nov. 6, 2015)

• "Fair Credit Reporting Act: How it Functions for Consumers and the Economy," Written Testimony Before The House Committee on Financial Services, June 9, 2007

You may have a case under the Fair Credit Reporting Act if you notice the following things on your background report:

• Fraudulent identity theft accounts on your credit credit report.
• Someone else's Information on your credit report.
• Paid accounts still showing a balance due.
• Reporting your accounts in good standing as charged off or in collections.
• Discharged debts still reporting as owed.
• Paid tax lies showing as still owed.
• Derogatory accounts more than 7 years old still on your report.
• Previously deleted accounts that have been reinserted on your report.
• Duplicate reporting of the same account.

If you would like help with one of these problems, call (888) 400-CREDIT | (888) 400-2733 or contact us through this site.

If you have completed the dispute process and you still can't get the credit bureaus to correct your report, the FCRA allows you to sue agencies. In most cases we are able to remove the false information, correct the report and get compensation for any credit denials, job loss, or emotional harm caused by the other side's violation of the law.

We only charge a fee if we are able to recover for you, and The Fair Credit Reporting Act requires the other side to pay your attorney's fees if you win. You pay nothing up front and we take our fee from the other side.

If you would like help with your credit report dispute, you can call our office at (888) 400-CREDIT or simply send us an email through this site. If you prefer, you can visit our resource page for credit reportrequest letters and sample disputes

After your case is done, we will help you to regularly check and monitor your background checks with free annual reviews of your background checks and credit reports to insure that you stay free of false conviction information. 

If you have been the subject of an inaccurate credit report, you may have be able to seek a correction and compensation for any harm. Our firm can help. For more than25 years, the attorneys of Lyngklip & Associates have represented victims of bogus credit reports credit reports and been a resource for Michigan consumers who need the help of an experienced lawyer.

To learn more or to schedule a free initial consultation with a credit report lawyer, contact our law firm today or call (888) 400-CREDIT | (888) 400-2733 or contact us through this site. In Michigan, you can reach our office at (248) 208-8864.