A mixed file combines information from different people
Similar names, Social Security numbers, addresses, or other matching problems can cause another consumer's information to appear in a file. Look for clusters of identity details or accounts belonging to someone with a similar name.
Identity theft involves misuse of your information
If someone used your identity to open or use an account, create an FTC Identity Theft Report and personalized recovery plan at IdentityTheft.gov. Federal identity-theft blocking procedures require specific documentation and truthful statements.
- Contact the business fraud department.
- Consider fraud alerts and security freezes.
- Keep the FTC report and proof of identity together.
Do not guess
Ask the reporting company and creditor for enough information to understand the account. Describe only facts you can truthfully support and choose the process that fits those facts.
Official sources
Review the current government sources before acting because requirements and contact information can change.
CFPB: Common credit report errors IdentityTheft.gov recovery steps