• Jared Hartman, Esq.
  • Posted on December 1, 2015


Have you discovered that someone else’s information has been posted on your consumer credit report? It is frighteningly common for the consumer credit reporting agencies (Experian, Equifax, and Trans Union) to mix someone else’s negative credit accounts with another person. It should go without saying that your consumer credit report should be 100% accurate with respect to only your own credit accounts. One common exception to this occurs with married couples who may be jointly liable for each other’s lines of credit, or may be listed as authorized users on each other’s individual accounts. However, when a consumer credit reporting agency is mixing the information for two people with the same name—whether related or not—then the law has been violated. In fact, this is one of the primary reasons that the U.S. Legislature enacted the Federal Fair Credit Reporting Act in the first place. The FCRA enforces this principle when it requires the consumer credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information “concerning the individual about whom the report relates.” See 15 U.S.C. 1681e(b). This Section requires the agencies to have in place reasonable procedures to ensure that these violations do not occur, and they must follow those procedures. Courts have ruled that it may very likely be unreasonable for the credit reporting agencies to only match names without using any other identifying factors such as date of birth, social security number, address, or the like. Typically, whether an agencies procedures are reasonable, however, is a question for the jury to decide under the circumstances. It is also unreasonable for a credit reporting agency to maintain two files under one social security number, since it is mandatory that each SSN belong to only one person.

Please click HERE to read a complaint that has recently been filed by Semnar & Hartman, LLP against Experian that alleges this very violation—alleging that Experian merged the derogatory accounts belonging to the young consumer’s estranged father into the consumer’s file, which caused him to be outrightly denied the opportunity to apply for an auto loan that he desperately needed.

If you or a loved one have been contacted by this debt collector, please contact us immediately for a free and confidential consultation to review your rights.