A Case of Mistaken Identity In an intriguing twist of fate, Richard Williams, a Florida resident, found his life entwined with another man named Ricky Williams. Their lives, however, were not connected by choice or coincidence but by a glaring error made by a consumer reporting agency, First Advantage Screening. Richard, who had no criminal […]
Credit reporting plays a pivotal role in the financial life of every American. It determines everything from eligibility for loans to the rates of interest one pays. However, credit report errors such as the mixed files issue can wreak havoc on a person’s credit report. This article explains the mixed files issue in credit reports […]
In a major victory for consumers, TransUnion has agreed to settle a class action lawsuit alleging that the company created and maintained “mixed files.” Mixed files are credit reports that contain information about multiple individuals, which can lead to errors and identity theft. The lawsuit was filed in 2017 by a class of consumers who […]
Have you ever checked your credit report and found that it’s not quite right? That can happen if you have a “mixed credit file” – a credit report that includes information about both you and someone else with the same name. We all know that having a good credit score is important. It can mean […]
Credit files can become mixed for a variety of reasons. Sometimes, it’s simply an accident. In other cases, it may be the result of identity theft or fraud. No matter what the cause, mixed credit files can create all sorts of headaches for consumers. If you find yourself in this situation, it’s important to take […]
A mixed credit file is created when a credit bureau’s database combines information that belongs to more than one person. This can lead to errors, including names, phone numbers, addresses, and credit account details. People who share common names, Social Security numbers, birth dates, or addresses may be more likely to have this happen to […]
