Mixed Credit File

Trans Union Fails to Stop Cento Law

Yesterday the Seventh Circuit Court of Appeals ruled in our favor and against Trans Union's efforts to block us from representing a consumer in a mixed file credit reporting case. Here is a link to the full opinion in Watkins v. Trans Union. In the coming days, we will be posting additional information about that opinion and the six year long saga which lead to this moment. For now, we are very pleased with the majority opinion.

Are you sure your credit report contains only your information?

Are you sure your credit report contains only your information?

Mixed credit reports are more common than you may realize. Your credit file may contain information belonging to someone else, and unless you look at your credit report, you may never know. Watch this short clip to learn more ...

Equifax is being sued for mixing the credit file of one man with the credit file of the man's father.

Equifax is being sued for mixing the credit file of one man with the credit file of the man's father.

Equifax is being sued for violated in Fair Credit Reporting Act

Earlier this year, Cento Law filed a complaint against Equifax for mixing the credit report of the plaintiff with information belonging to the plaintiff's father.

The plaintiff was first alerted to the mixed credit file when he was eighteen years old. At the time he was living at his parents and working. The alert came when he received a letter that was attached to his paycheck. The letter was from a county auditors office and its purpose was to inform the plaintiff that his wages were going to be garnished due to unpaid property taxes. Eventually the plaintiff learned that the property taxes in question were actually taxes levied against a man that he shared the same name with, his father.

As time went by, plaintiff was able to obtain a loan for a vehicle. He paid his loan on time with the hope of creating good credit. Two years later...