Kelly Guzzo, PLC recently filed a lawsuit in federal court in Maryland on behalf of a consumer whose credit reports showed debts belonging to his father, who shared a similar name. Because our client did not incur those debts, his credit reports should not have shown that he owed them.
This “mixed file” happens when a consumer’s credit report shows accounts or other information belonging to someone else. Most often, mixed files happen when a family member – or even a complete stranger – shares a similar name.
Making matters worse, the credit reporting agencies repeatedly refused to remove the negative and inaccurate information despite several notices from our client. In the lawsuit, Kelly Guzzo alleged that the credit reporting agencies each willfully violated their duties under the Fair Credit Reporting Act (FCRA).
If you are a victim of a mixed file, the lawyers at Kelly Guzzo can assist you with removing inaccurate information from your credit reports. Additionally, we can file a lawsuit to compensate you for damages that you suffered because of the inaccurate reporting. We have handled hundreds of cases on behalf of consumers who were victims of inaccurate credit reporting. There is no out-of-pocket cost for our services, and we only recover if you do.
Please contact us for a free consultation if your credit reports have been impacted by a mixed file.
