Kelly Guzzo, PLC recently filed a civil lawsuit against two credit reporting agencies for mixing the credit reports of a father and son. This lawsuit was filed in federal court in the District of Columbia and alleges that the credit reporting agencies failed to use reasonable procedures to assure the accuracy of the consumer’s credit report. In this particular case, the credit bureaus mixed information about the father—the fact that he was deceased—into the son’s credit report. Because the information was mixed, the son was denied credit as his creditors thought he was dead when he applied for loans.
Mixed credit files typically occur when two individuals share similar personal identifying information. Because the individuals share similar identifying information, the credit bureaus often include information about one person in the other person’s credit report. Even if your own accounts are in good standing, the other person’s accounts, collection items, or public records could seriously impact your credit score.
If your credit reports have been inaccurately mixed or mismatched with another individual, the lawyers at Kelly Guzzo, PLC can assist you with removing mixed information from your credit reports. We can also assist you with filing a claim against the credit bureaus to compensate you for the damages you suffered as a result of the inaccurate information. We have handled dozens of similar cases where individuals have Experian, Transunion, or Equifax mixed credit files. There is no out-of-pocket cost for these services, and we only recover if you do.
Please contact us if your credit report has someone else’s information in it.