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Need a Mixed Credit Report Attorney to Remove Another Person's Accounts from Your Files?

You may be entitled to a significant settlement under the Fair Credit Reporting Act.

credit attorney Joseph McClelland

by Joseph P. McClelland, III, Esq.

by Joseph P. McClelland, III, Esq.

Quick Question:

Do you have any of the following: multiple social security numbers, wrong accounts, incorrect information, accounts you didn't authorize, wrong names, or wrong addresses on your credit report?


I have news for you:

Your credit file may be merged or mixed up with another persons. This happens all the time.


Having a mixed report or merged credit report will cause you to get denied credit.


Plus, a mixed credit file is almost impossible for the credit bureaus to correct without a credit report attorney. But with a consumer protection attorney, you can make them fix the errors and pay your legal fees instead of you.


Mixed credit report attorneys gets reports separated and forces the credit agencies to compensate you under the law. 

Schedule a Free Consultation

McClelland's Merged Credit File Service

Your Credit Fixed

We help you get your mixed credit report fixed.

Damages Suffered

We get you the compensation your deserve after getting mixed up with another person.

Your Credit Score Back

When fixed, your credit score will be restored and your credit won't be mixed.

Attorney's Fees Paid

We only get paid on recovery for your mixed file case.


Credit Report Mixed with Someone Else?


This merging or mixing of credit reports happens quite often and hurts credit scores. It happens on Trans Union, Experian, and Equifax credit files. 


These cases should only be handled by a qualified FCRA credit attorney. A mixed credit report is serious.


Putting a security freeze on your credit account will not help.


Want to see how we can fix your credit and obtain damages? 


Your credit is important to live in today's world.

What should you do to fix a mixed credit report? 

The credit reporting agency must individually review your file to fix it. Effectively, they are fixing your credit file individually.


This generally can't happen without an attorney to make them stop mixing your credit with another person's credit.


The good news is that the credit bureaus will have to pay you money for violating the FCRA and damaging your credit by giving you a mixed credit report.

Be prepared for your mixed credit dispute to not work. Keep proof you attempted to correct the false reporting. Keep a copy of any and all credit dispute letters you have sent if you can. Send your dispute letter certified mail with a return receipt for proof they got it. 


If you have already disputed with the credit agencies and or creditor, you should enforce your rights and make the credit agencies remove the mixed credit file from your credit with an attorney.

You Have Credit Rights Against Equifax, Experian, and Trans Union


#1


Equifax Mixed Credit Reports & Lawsuits

If Equifax has mixed up your credit file, we can help you make Equifax correct your report and pay you the damages you deserve under the law. Our credit law firm has experience litigating credit issues against Equifax in federal court on behalf of consumers. 

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

Because a merged credit report can only be fixed at the source, these types of credit issues will likely never be resolved by simply sending in dispute letter after credit dispute letter. An attorney that understands mixed credit reports is needed.

#2


Experian Merged Credit 

If Experian has combined your credit report with someone, we get Experian to fix your credit file and pay you damages. We will fight Experian about your credit.

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

These types of issues will likely never be resolved by simply sending in credit dispute letter after dispute letter. A credit attorney that understands mixed credit reports is needed.

#3


Trans Union Combined Credit 

If Trans Union has combined your credit with someone, we get Trans Union to fix your credit file and pay you damages. We will fight Trans Union for you.

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

These types of credit issues will likely never be resolved by simply sending in dispute letters. An attorney that understands mixed credit reports is needed.

Get a Consultation with a Merged Credit Report Lawyer

In a brief, confidential conversation, we can inform you of your credit rights. 

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Frequently Asked Questions

How much does it cost to hire us as your attorney?

Our law firm does not charge any upfront cost on credit cases like these. Nor do we charge you during the credit case for expenses. Our fees and cost are subtracted from the recovery we obtain on your behalf. 

You will have no out-of-pocket costs for credit issues.

Is it possible that the agencies merge my file in the future?

Although anything can happen in the future, we will make sure that the credit reporting agencies have properly coded your credit file so that your credit report and the other person's credit report are never mixed up again. If the CRAs mess up your credit again, you will have a tremendously strong credit lawsuit against them. 

Can I sue for damages with a credit lawyer?

Absolutely. Our credit law firm can file a suit  under the Fair Credit Reporting Act and help you recover the damages under the law and get the merged credit files corrected.


For example, you see a credit card on your credit you never opened. The best thing to do is to call an attorney to review fraud and fraudulent credit accounts. Debt that is not yours on your credit need to be addressed. Only an authorized user can open an account. If you didn't, then you need a credit attorney.

Can an Attorney Help Me Get Someone Else's Name on My Report?

We help with Equifax mixed files, credit report merged with someone else, multiple names on credit report, free online credit report, mixed credit report lawsuit, all 3 credit reports, someone else's name on my credit report, credit bureau issues and more.

How long does it take for attorneys to get the credit reporting agencies to fix my file?

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.

Can your law office help me get my credit 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.


We can advise on credit services, credit repair, credit monitoring, credit protection, credit reports, where to get credit reports, why knowing your credit score is important, how to find errors on your credit reports, why finding credit errors is vital, why a low credit score can cost you a great deal of money, why credit card companies charge you annual fees, why you want to keep credit cards open instead of closing the, how to dispute credit errors, how to sue for credit errors, how to get the best credit lawsuit settlements and more.


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.

Do I wait when their account becomes adverse or derogatory?

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 them for hurting your credit!

Multiple Names on Credit on your credit ...Why?

Seeing multiple names on your credit may be sign of something larger such as having a merged or mixed credit. Very slight variations in your name are less problematic when found on your credit. However, a name that is not yours is another issue. 


Contact us to discuss your legal recourse for them merging your credit with another person's accounts. The bureaus will include the credit of family members such as dad's, son's, and cousin's info which is violated the credit laws.

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We Help Credit Victims Get Their Life Back Together

Get Started Today

If you have or had another person's information on your credit, we can help with CRAs like Equifax, Trans Union, and Experian. For a private consultation at 770-775-0938 if you have a mixed credit report and want to discuss us being your merged credit reporting lawyer