Someone Else’s Information on My Credit Report

Everyone knows how important your credit score your life. If you have a poor credit score getting approved for a loan whether it be a mortgage or house, loans for a car, personal loan, or applying for a job can be difficult. Credit decisions rely on credit scores.

It is hard enough as a consumer to maintain a good credit history without the credit bureaus making their own errors.

Credit report errors are more common than you think.

Pending on the statistics that you read, an extremely large amount of consumers according to the Federal Trade Commission have errors in their credit reports.

One of the worst types of errors is when the credit bureaus mix your file and include someone else's information on your credit report. It can really hurt your credit scores. Also, you can't control the information of someone else. Right when you need credit, they could be defaulting. When you want to buy a home, they may have already bought one. You're stuck.

And this begins to happen, you are victim play poorly run credit system.

You can identify many errors yourself with your report including spelling of your name, wrong addresses, wrong date of birth, wrong payment history, wrong employment history, wrong social security number, and account that are not.

Who made this mistake?

It could be identity theft you are seeing with your credit reports. You may be able to tell if it's identity theft by looking to see if any payments were made on the false account. If there were payments, it's not fraud usually. There is no reason to use a credit freeze or security freeze.

It could also be a sort of human error like a typo or data entry errors with your credit file. It could be that the credit bureaus have you confused someone else.

Many times they have problems separating fathers and sons, twins, and brothers and sisters. Also, people with a similar social security number, similar name, or address may also have the same type of problem.

Do you have a right to have all the information removed from your credit report?

Yeah, under the Fair Credit Reporting Act credit bureaus in any creditors or collectors nice report correct and accurate information about you and your credit report. In situations where another person's information is on your account, this law may have been violated. Just because you have a similar social security number, name, date of birth, or other identification information doesn't mean you get credit reports mixed with someone else. That's just not fair and the law doesn't allow it.

What are the penalties for the credit bureaus of creditors putting another person count on my file?

Under the Fair Credit Reporting Act, you are entitled to economic damages that you have suffered as a result of this. You are entitled to emotional damages that you have suffered as a result of this. Finally, you are entitled to your attorney's fees and cost when this happens to you. Therefore, you will not have to pay out-of-pocket expenses for your attorney to handle the credit reporting company or credit reporting agencies doing you wrong.

How do you fix having another person's information on your account?

First, you will want to check your credit report and review your report or inaccurate information. You can a free credit report every 12 months from annualcreditreport.com. Second, you will need to dispute directly to each credit bureau the incorrect information on your credit report. You should do so I mail using a certified mail return receipt when disputing to a consumer credit reporting company. Within 30 days or now during covid-19 45 days, you should receive a response to tell you what the status of your dispute is.

What do I do if someone else's name is on my credit report?

First, you will want to review your credit report or inaccurate information. You can get this from annualcreditreport.com. Second, you will need to dispute directly to each of the major credit reporting bureaus what is incorrect in your credit report. You should do so I mail using by certified mail with return receipt. Within 30 days, you should receive a response to tell you what the status of your dispute is. For example, if you wanted them to remove a false name, they should respond with their response.

We can help you submit a dispute about incorrect information such as social security numbers, birth dates, credit accounts, collection accounts, misspellings, wrong address, and more.

Contacting the Consumer Financial Protection Bureau doesn't get you the right results. You need a credit lawyer for credit questions.

What should I do if a wrong name is in my credit file?

If it is ONLY a wrong name, you can submit a dispute. You may want to include the incorrect information you want to be corrected, an explanation of why it's wrong,

The credit reporting companies have an obligation to research your dispute and take action to maintain an accurate credit report. If another consumer's creditor, credit account information, or credit cards appear on your credit, make sure to document what you see and the steps you take.

An error in your credit by a credit reporting agency needs to be handled by a law firm.

Credit report errors like having someone else's information on your credit are one of the worst type of credit errors. If you have another consumer's information appearing in your credit you've lost control.

Items you may find what looks like a fraudulent account or ID theft on your account when it's really someone else's personal details, student loans, auto loan, car insurance, home loan, credit card debt, checking accounts, saving accounts, credit card, personal loan, and auto insurance. The results when you apply for credit can be bad credit, wrong information, late payments, debt collection, and collection accounts.

You don't want a credit repair company to dispute errors when you being comingled with someone else's info that is appearing in your credit. It's impossible to fix your credit or start improving your credit when you can't control what's going on. No matter if you constantly review your credit report for errors, building credit or improving credit is not within your hands.

Can I check someone's credit score?

No, you are not allowed to get another person's credit report unless you have a permissible purpose or an Order from a court authorizing it. You can's get someone else's credit report.

Why can't I get a credit report?

It's common for consumers who are being mixed to have trouble getting their reports. That's because your personal information may be mixed with another consumer's file. It's very common for clients to tell me, "hey, I can't get my report no matter what I do". Getting your own report should be easy.

We can help with that.

Does the FCRA help when you have someone else's accounts on your report?

Yes. Regardless of it's ID theft, fraudulent account, or the mistake of the credit agencies, you may face a life of bad credit no matter how may times you dispute errors. An error with your credit or, worse yet, credit report errors will cause you to get denied loans. When you apply for credit you may find student loans, home loan, car insurance, auto loan, credit card debt, checking accounts, a debt collection, or a late payment on an account you've never heard of. How can you fix your credit or start improving your credit or start building credit when don't control things? The Federal Trade Commission will be little to no help to a consumer with this type of case against a credit reporting agency.

First, we will check your credit by getting a copy of your credit from Equifax, TransUnion, and Experian. Then, we can start working getting them to stop the merging of your file and contact information like birth date and personal details with with someone else's. If you have wrong information on your report that is causing you bad credit, improving your credit score may be a result.

The law firm of Joseph P. McClelland, LLC protects consumers who have been victims of errors by the credit bureaus. If you have been reported inaccurately, you should reach out to see what your rights are in whether you have a claim under the Fair Credit Reporting Act.