The three major credit reporting bureaus in the United States are Transunion, Equifax, and Experian. Each of these agencies use complex matching algorithms when they calculate the credit scores of millions of Americans.
However, mistakes can and often do happen.
It’s an unfortunate fact that the credit reporting bureaus get it wrong from time to time. When someone else’s Social Security Number or other identifying information is similar enough to yours, their credit history can sometimes become your credit history. That’s not good, especially if there are delinquent accounts, late payments, or bankruptcies involved.
We Take Action to Fix the Problem
Any time a credit reporting bureau makes a mistake resulting in a ‘mixed file’, it us up to the affected consumer(s) to notify the bureaus of their error. However, when consumers interact with Transunion, Equifax, or Experian on their own without legal representation, mixed file cases can take months or even years to resolve. During this time, the consumer is forced to pay higher interest rates and have their access to credit unjustly restricted.
The mixed file experts at Matthew R. Osborne know exactly what to say to the credit bureaus on your behalf, so an end can be put to the confusion, frustration, and inconvenience. Often, the only kind of communication that the bureaus will listen to needs to come in the form of a lawsuit—something we can initiate promptly and effectively.
Fast, Effective Mixed File Resolutions
Remember that credit reporting errors can happen to anyone. If you have a Social Security Number, then it can happen to you. It only takes a single mismatched name, birthdate, or mailing address for a mixed file situation to find its way to you, and when it does, you need a knowledgeable, capable attorney working aggressively to have the error corrected.
Unfortunately, the credit reporting bureaus don’t have to act to correct their errors unless they’re legally forced to do so through a court of law. At Matthew R. Osborne, we can start this process for you. It all starts with a 100% free, no-obligation consultation with a member of our team.
Once we collect the relevant facts related to your mixed file case, we’ll get to work on notifying the credit bureaus directly. The attorneys at Matthew R. Osborne PC will make it clear that the credit reporting bureaus must own up to their mistakes and restore integrity to the affected credit records.
To discuss the details of your mixed file case, contact us today by calling (303) 759-7018.