Mixed credit reports are caused when the credit bureau places information belonging to another consumer on your credit report.
The reason mixed files are so hard to correct is because the lender typically is not sending in incorrect information. The problem is being caused by the credit bureau inadvertently commingling data belonging to two consumers and placing it on one credit report.
Credit reporting agencies are under no obligation to proactively investigate the information on your credit reports to determine if it’s yours or if it belongs to another person with the same name.
It's you’re responsible for pulling your own credit reports, reviewing the information and then filing a formal dispute with the credit bureaus if you find data that you believe is incorrect or belongs to someone else.
Additional reasons for incorrect data in credit files include:
>You have a common name
>The person applied for credit under different versions of their name (Robert Jones, Bob Jones, etc.)
>Clerical error in reading or entering name or address information from a hand-written application
>The person gave an inaccurate Social Security number, or the number was misread by the lender
>Sr.'s and Jr.'s living within the same household get account information crossed
>Loan or credit card payments were inadvertently applied to the wrong account