Mixed File

[EDub357]

I have what I think is a strange situation.  I have been dealing with several inaccuracies on my reports for quite a while.  Each time I would dispute the accounts, they would come back as verified as accurate.  I was attempting to obtain a Dunn & Bradstreet number for my business, and I found out that a person with my same name existed and had what I was requesting.  I then researched and found out that quite possibly, our credit files had possibly been mixed.  I contacted the CRA and tried to resolve this issue.  EQ was the only one that has assisted and researched these items based on them being mixed with someone else.  Several of the accounts were removed.  Some were not, so I spoke to another rep.  That rep disputed the items, but apparently there is a different way to dispute the items when they are mixed.  The rep did not dispute the items correctly and they came back as verified.  I now have several disputes pending covering the same items.  Does anyone know how the mixed file disputes work?

[RonM21]

Wow, that is interesting. I'm not sure how this would play out, but there has to be a way for you to get this resolved. The unfortunate thing is any.time there is a mixed identity issue, it can be a bit of a process to finally resolve. I hope it gets corrected for you.

I don't know how this sort of dispute works and hope you'll get a reply from someone more in the know that can help.

[RobertEG]

I would recommend that you first obtain some info from your file that will let you pinpoint exactly what info may be in your file and who reported it.

That will then permit you to submit a very specific and well-defined dispute,and to also contact any party who may have submitted info that you contest as pertaining to you.

How does one go about obtaining such info and its source?

There are many situations where a consumer may need to know what may have been included in his/her file, but obviously cannot know without compellling that disclosure from the holder of the file....the CRA.

For that reason, the FCRA specifically incorportates section 609(a)(1), which explicitly authorizes a consumer to request the CRA provde any information in their consumer file at the time of the request, and section 609(a)(2), which explicitly authorizes a consumer to request the CRA provide the sources of the information.

Requests under section 609(a) must be accompanied by proof of your identity (government photo ID), and the required processing fee, which is currently $11.00.

[EDub357]

So, is this information more in-depth than a normal credit report?  And is there an $11 fee with each report? 

[RobertEG]

Any credit report that you receive involves some determination by the party who is producing the report as to what will or will not be included in the report.

Your credit file always contains information that is not included in credit reports.

FCRA 609(a) permits one to obtain any item of information in their file, regardless of whether it is included in any credit report.

If you clearly identify what you seek and it is in your file, they must provide.

The fee is apart from any commerical fee, and is authorized under FCRA 612(f) and (g)(1)(A).

It is per request, so itemize all that you wish within the request.