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It is not uncommon for a credit reporting agency (such as Equifax, Experian, or Trans Union) to include information about another person in a consumer’s credit report.  This type of error is commonly referred to as a “Mixed File.”  Mixed File errors typically occur because the credit reporting agencies do not use sufficiently rigorous criteria when “matching” consumer data (likely because their customers prefer over inclusive information).  The result is that a credit report merged with someone else’s report. Even if you have an uncommon name, there is probably someone in America with an identical name whose credit report might be merged with yours. If that person has bad credit, it could have a serious impact on your financial future unless you clean it up. You might have issues obtaining a mortgage, a car loan, a credit card, or some other necessity for protecting yourself and your family.

For example, the credit reporting agencies do not require exact matches for Social Security numbers or names.  Mixed Files can be especially harmful to your credit worthiness when delinquent credit histories or criminal records are mismatched, and can cause consumers to lose out on employment, housing, and credit opportunities.  Our firm has settled many cases where there is inaccurate information on someone’s credit report.

Maginnis Law offers free case evaluations to consumers with Mixed File errors or issues with their credit report merged with another person’s in  and we typically accept such cases on a contingency fee basis – meaning you don’t owe us a thing unless we succeed in recovering monetary compensation for your damages.  The FCRA lawyers at Maginnis Law can be reached at 919.526.0450, at or through our confidential contact page. You can also subscribe to our mailing list to learn about the rights you have under consumer protection law against large corporations.

We recently settled a case where a consumer had a mixed file. Their credit report merged with another person’s with a similar name and a civil judgment against them.  We obtained a confidential settlement for our client that fixed the credit report and provided a significant settlement for our client.

Credit Report Merged With Someone Else

Because of the prevalence and harmful nature of Mixed File errors in credit reports, it is important for you to obtain free copies of their credit reports from each credit bureau once a year at   If you find an example of a credit report merged with another person’s report, you can initiate a dispute with the credit bureau that has mismatched your data. However, credit bureaus do not always correct mismatched data when disputed by a consumer and it is often necessary to commence federal litigation.  If you have unsuccessfully disputed mismatched data in your credit report, the consumer protection attorneys at Maginnis Law may be able to help!