You are mixed because of confusion. You have 9 numbers in your social security number.

The credit bureaus only use 7 or 8 numbers of your social plus a common name or address to put your file together. 

Because of this, accurate information is not always reported by TransUnion, Experian, or Equifax. 

Credit bureaus argue they don't need to use all of your social security numbers. We stop them from doing this.

Has Experian combined your report with someone? We make Experian fix your credit file and pay you damages. We will fight Experian about combining your report with another.

Do you think Experian created a mixed file or put another's information on your credit report and file?

These types of problems will likely never be resolved by sending in dispute letter after dispute letter. An attorney that understands mixed credit files is needed. We only charge you if we settle or obtain verdict on your behalf.

Has Trans Union combined you with someone? We force Trans Union to fix your credit file and pay you damages. We will fight Trans Union for you, so you don't have to. It's a win - win for you. 

Do you think Trans Union created a mixed file or put another's information on your file?

You won't fix these types of issues by sending in dispute letters. You want an attorney for mixed credit reports. If Trans Union combines your file with another person's file, you want us on your team to resolve your mixed credit file.

Do you think Equifax merged your information and accounts or put another's information on your file? We help consumers with a mixed credit file.

The credit bureaus must code your credit reports to stop the merge. They stop the merged credit reporting at the source only. Disputes alone won't fix this combination of reports. You need an attorney that understands mixed credit files.

You should immediately act when it involves your credit. Not only do you still have a credit claim under the FCRA, you don't want your credit to be at the mercy of a stranger. You have no idea when that person may stop paying the bill and it will ruin your credit score. 

Equifax (www.equifax.com) can be held accountable with TransUnion (www.transunion.com), and Experian (www.experian.com) and forced to do the right thing...when we sue the credit bureaus for hurting your credit scores by creating mixed files! Mixed file litigation is what we do.

The credit reporting of incorrect information like mixed files is the subject of years of litigation and jury verdicts. The credit information about mixed credit files is highly confidential is known by very few people.

The credit bureaus use a matching algorithm to prepare your credit file. Because the credit bureaus only use 7 digits of people's social security numbers to match or create your file, a mixed credit file with incorrect information can be the result.

Wrong addresses may indicate a mixed credit file. Small errors like leaving off an apartment number are probably not that big of a deal. But, if you see an address that's clearly not a typo, then this can be an issue.

A mixed credit file happens when the credit bureaus commingle your personal identification information and someone else's identification information. As a result, each person's credit history may include the others credit account information such as random bank accounts like Bank of America, AMEX, or unknown debt collectors.

denied credit like an auto loan, or mortgage loans  because of an error on your credit like  an unknown debt collector on your credit with Equifax, Experian, and TransUnion that has negative information.

You report is mixed with someone else.

To fix credit report errors, you will need to locate all inaccuracies in reporting by checking your Equifax, Experian, and TransUnion reports (at Annual Credit) for your credit reports dispute. We help you be specific with your credit reports dispute about the exact error on your credit report you are disputing and what are the best supporting documents. Getting those accounts removed may go a long way towards improving your credit score.

He regularly speaks about building credit, improving your credit, proper ways to do a balance transfer, info on secured cards, cards for bad credit, preventing fraud, how to protect your identity, consumer law, updates on the newest data breach, and general personal finance questions on home buying to car buying. Reach out if you have any questions.

Although each Credit Reporting Agency or CRA will have different timelines, most of them will work diligently after filing a credit lawsuit to try to decipher where the credit error occurred and how to correct it. Cases with mixed files can take anywhere from a few months to get the reported corrected to over one year.

• Twins are more likely to be mixed
• Dad's and Son's with the same names (Jr. and Sr.) are likely to be mixed
• Siblings that have similar names are more likely to be mixed
• People with fairly common names
• Prior victims of ID theft are more likely to be mixed

One example of incorrect information on your credit report is saying a credit card belongs to you when it doesn't. Credit cards are common place for inaccurate information.

The credit bureaus may go as far as putting a different social security number on your report that belongs to another consumer. Sometimes, they will put the accounts, loans, or credit cards of another on your report. Making them change the incorrect information for you alone will not be easy. You will need a specific type of lawyer: a mixed file lawyer for consumers. 

The good news is that the bureaus will have to compensate you for the stress and damage to your Fico scores for reporting inaccurate information on your credit. Damaging your credit by giving you mixed credit reporting comes at a price. So, how do you correct a mixed report with incorrect information to a credit reporting agency? You fix it with help of an attorney.

Have you made any phone calls or mailed any dispute letters about the incorrect information? Try to keep proof of any disputes, responses, and denial letters.

Have already disputed with the bureaus that they combined your file? As your attorney, we can enforce your rights. We make them correct the mixed credit file so they are listing accurate information and provide you with compensation for falsely reporting account information.

Because of how credit scoring works, a simple credit report error like a  late payment will hurt your credit score and finances. The Fair Credit Reporting Act protects you from each credit bureau. When you have another person's information information, you lose control. Disputing to the consumer financial protection bureau will not be best solution for fighting a credit bureau.

We only get paid if we get you a settlement. You will have no out-of-pocket costs.

Can I Sue for Damages?

Yes. Our credit law firm files suits under the Fair Credit Reporting Act for merged credit files.

Can I get someone's name off of my report?

Yes. We help remove multiple names off your credit report

Credit mixed with someone?

This merging or mixing of credit reports happens quite often and hurts credit scores. It can happen on Trans Union, Experian, and Equifax credit reports.  These cases should only be handled by a qualified FCRA attorney. A mixed credit report is serious.

Let's discuss your legal recourse for them merging your credit with another person's accounts or family members such as dad's, son's, brother's, sister's, and cousin's info.

Is your sister's or brother's accounts on your report? This type of error should be immediately addressed.

Credit reporting errors can hurt. Unlike commingled accounts, identity theft usually will have the accounts without any payments being made.

Being commingled with a family member is a serious credit reporting error. Merging credit histories is even worse when one person gets another's collection agency reporting. We practice consumer rights against the credit industry over this exact issue.

CAN THIS ACTUALLY BE FIXED?

Yes. We work with credit files daily and can make sure your credit report is your credit alone. As you can see, we take credit seriously.

Although we are licensed in New York and Georgia, we can work across the nation with local counsel if you live in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Joseph McClelland fights for consumer rights in credit reporting errors like identity theft. Sons and dads are often merged together, especially a jr  sr situation. 

Federal Trade Commission or the state attorneys generals is not helpful. The credit industry knows about these issues. Have you heard of Julie Miller? Julie Miller got punitive damages with a jury verdict of millions of dollars.

Can you pull someone else's credit?
No. You can only check your credit and pull another person's credit only if you've been given authorization and permission to do so. 

How do you remove something from your credit report that is not yours?
Sorry. This is one time if you just dispute errors, nothing will happen or get worse.

Many people think when a credit report is merged they need identity theft protection, a security freeze or credit freeze, fraud alerts, credit counseling, credit monitoring, credit repair, or other things to help them in preventing fraud. ID theft protection has nothing to do with you being listed with someone else's information because of a similar social security number, birth date, address, or name.