Mistakes on your credit report? A guide…

Your credit report is a record of your creditworthiness. Chances are, every payment you’ve made to a big label credit card, mortgage servicer, or student loan debt servicer is on your credit report with one or more of the big three nationwide credit bureaus: Equifax, Experian, and TransUnion. Lately, a fourth credit bureau, Innovis, has […]

Are all mixed file cases willful FCRA violations?

In our view, punitive damages under the Fair Credit Reporting Act are appropriate in all mixed file cases. To recap from some of our prior blog posts, a mixed file (a/k/a a mIxed credit file) happens — as the name suggests — when a consumer reporting agency (a/k/a a credit bureau or CRA) mixes personal […]

Mixed Files by Equifax, Experian, and TransUnion

The Fair Credit Reporting Act (FCRA) requires consumer reporting agencies (a/k/a credit bureaus or CRAs) to maintain reasonable procedures to assure the “maximum possible accuracy” of the information the CRAs report about you. Unfortunately, procedures followed by credit bureaus like Equifax, Experian, and TransUnion are often less than what is reasonable to assure maximum possible […]

Millions of Mixed Credit Files. Could One belong to You?

Yes, there are millions of Americans, perhaps six million or more, whose credit files are mixed and merged. It is a massive problem, one in which personal information and account data from your credit file may be mixed with those same types of information that in fact belong to one or more other consumers. It […]