Mixed File

Mixed File

The most common problem reported with background searches involves mixed files. While this is more likely for people with common names, anyone can find that their personal information is mistakenly combined with someone else’s.

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies like TransUnion, Equifax, and Experian to use the maximum possible accuracy when reporting credit history and activity. This law also obligates them to conduct a reasonable investigation when a consumer disputes an inaccuracy.

If incorrect information appears on a background report and the consumer notifies the reporting bureau, the bureau must investigate free of charge. The agency must then report back the results, and if the information is corrected, they must offer to send an updated report to any person or company that recently received the inaccurate version. If they fail to do so—or ignore your request—you may have the right to recover losses.

How Swift Law Can Help with Mixed File Issues

Being linked to another person’s credit history or background can be devastating, costing you job opportunities, housing, or financial credibility. The attorneys at Swift Law PLLC can help you:

• Dispute mixed file errors and force agencies to separate your records.
• Hold reporting bureaus accountable for failing to comply with the FCRA.
• Ensure corrected reports are sent to employers, landlords, or lenders who received the inaccurate version.
• Pursue compensation for damages caused by mixed file mistakes.

St. Petersburg Lawyers Standing By

Swift Law PLLC is dedicated to ensuring that civil rights are not ignored. Our attorneys will work diligently and passionately on your behalf to protect your good name and your future.

Contact Swift Law PLLC for a free consultation by calling (727) 490-9919 or by filling out the free Case Evaluation Form on this page.