Mixed Credit Report

Experian Sued for Mixing the Credit Files of People Who Share the Same Name

Experian Sued for Mixing the Credit Files of People Who Share the Same Name

A federal lawsuit has been filed against Experian in the United States District Court, Western District of Wisconsin, for merging the credit file of one individual with the credit file of another who share the same first and last name.

While applying for a mortgage, the plaintiff in the above mentioned case discovered that Experian had included no less than twenty-three (23) tradelines (bits of credit information) which did not belong to her on the credit report used to determine her credit worthiness. After being denied the loan, the plaintiff obtained her credit file from Experian. She then contacted an Experian representative by phone to dispute the inaccurate tradelines. The Experian representative confirmed that the tradelines in question belonged to another consumer and promised to have them removed from her credit file.

However, the information contained within the credit reports which Experian provided to the loan officer, is different than the information contained within the consumer report the plaintiff received when she requested her credit report from Experian. This is not uncommon. Rather it’s standard procedure.

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...

Last Week Tonight with John Oliver: Credit Reports

Last Week Tonight with John Oliver: Credit Reports

John Oliver on the Credit Reporting Industry

Earlier this month, HBO's John Oliver of Last Week Tonight did a segment on credit reports. The segment highlights studies which report major problems in the credit reporting industry. The studies reveal that credit reports contain a shocking number of errors. One study found that 25% of consumers had errors in their credit reports. That means that 1 and 4 credit reports have an error. The study further states that 1 and 20 credit reports contain sufficient errors that would make a consumer pay more for a car loan or a mortgage. Credit report errors vary by type and may be serious enough to deny an application for credit, housing or employment.

Is someone else's credit history mixed with yours?

Is someone else's credit history mixed with yours?

Mixed Credit Reports

The credit reporting agencies collect information about you and store it in their databases. Equifax, Experian, and Trans Union all have their own database. This is why you have three different credit reports. The databases contain hundreds of millions of bits of raw data, referred to as credit files. Most consumers have more than one credit file. Credit files are used to generate credit reports. A mixed credit report is the result of a credit reporting agency’s inaccurate merging of credit information and/or an entire credit file belonging to one consumer into the credit report of another consumer.

When your credit history is requested, the credit reporting agencies sort though the millions of bits of electronic data stored within their databases. Search results defer depending upon the search terms used. For example: the results of a search for Jane Doe may vary from the results for a search for Jane A. Doe. ...

$18. 6 Million Verdict Against Equifax for Not Fixing a Mixed Credit Report

Equifax Slammed with $18.6 Million Jury Verdict for Violations of the FCRA

A federal jury recently awarded Julie Miller of Oregon with $18.6 Million.

In 2009, Julie Miller applied for credit and was denied. The denial was a result of credit information belonging to a different Julie Miller being mixed with the credit report of the applicant. The inaccuracies consisted of:

  • Wrong Social Security Number
  • Wrong birth date
  • Accounts that were not hers; and
  • Erroneous collection accounts.

The mixed credit report resulted in a lost opportunity to obtain credit.

Class Action Against Green Tree Challenging Accuracy of Joint Account Holder Bankruptcy Credit Reporting

Lawsuit Filed Against Green Tree for Reporting a False Bankruptcy

June 7, 2013

Today, Cento Law, LLC attorney G. John Cento filed a class action lawsuit against Green Tree Servicing, LLC alleging numerous violations of the Fair Credit Reporting Act. In the suit, Plaintiff alleges Green Tree inaccurately reported his mortgage account to the consumer reporting agencies (Experian, Equifax and/or Trans Union) that he had included his mortgage in bankruptcy even though Plaintiff had never filed bankruptcy.

What is a Mixed or Merged Credit Report?

A mixed or merged credit report is the result of a consumer reporting agency's inaccurate merging of credit information (commonly referred to in the industry as "tradeline" information) and/or an entire credit file belonging to one consumer onto the credit report of another consumer. There are many different possible causes for the merging of tradelines but all of them relate in one way or another the algorithms (the database rules) used by consumer reporting agencies to match tradelines to a particular consumer's credit file. The success or failure of these algorithms or rules is both a function of the rules themselves and of the information provided by the furnishers of the tradeline information to the consumer reporting agencies.  In other words, a mixed credit report could be caused by an improper algorithm just as it could be caused by the inaccurate reporting of a consumer's personal or "indicative" information (e.g., name, social security number, address, date of birth, etc.) by the furnishers to the agencies.  These rules also determine which credit files are merged to create a complete credit report.  Therefore, a mixed credit report is sometimes the result of the mixing of two or more consumer credit files belonging to different consumers into one credit report.  Just as with mixed tradeline information a mixed credit file can be the result of an improper algorithm just as it can be the result of the indicative information used to compile the credit report.