There is a growing trend throughout the country of consumers who cannot get the credit bureaus to remove errors on their credit reports. Consumers are basically stuck with two options: (1) accept the errors, or (2) hire an attorney to file a lawsuit under the Fair Credit Reporting Act against the credit bureaus. The most common errors involve a “mixed file” as they are known in the credit industry. Mixed files most frequently involve people who share common names with individuals who have similar
Social Security numbers, birth dates or addresses. Files often become mixed because of the computer programs that the credit bureaus use to match credit data to a specific consumer’s credit report. The programs allow credit data, such as a late payment on a credit card or a bankruptcy judgment, to be inserted into the wrong consumer’s file. For example, a bankruptcy judgment against John Smith, Sr. is erroneously applied to the credit report of John Smith, Jr.