One of the most common types of background report and credit report errors occurs when information about one person is placed in the background report of a different person. This is called a "Mixed File" or a "Merged File."
Mixed file errors typically occur when a background or credit reporting company (typically called a CRA) fails to use sufficiently rigorous procedures to match information to a person's personal identifying information (full name, date of birth, social security number, address information, etc.)
Examples of Mixed Files
Mixed file errors can include:
- Mixing the files of people with the same or similar last names.
- Mixing the files of people with Jr. and Sr. surnames.
- Confusing the files of people with similar social security numbers.
- Transposing first and middle names.
The FCRA requires background and credit report companies to use reasonable procedures to ensure maximum possible accuracy of the information in the reports. When a mixed file error occurs, the CRA has usually failed this statutory obligation.
If you find someone else's information in your background or credit report, contact the background and credit report attorneys at Weiner & Sand LLC to help.