Letter to a Credit Report Agency That Co-Mingled Information

for Your State

This Letter to Credit Agency regarding Co-Mingling of Information is used when your credit information is incorrectly co-mingled with another. Use this letter to dispute co-mingled information, for ID theft matters or when a credit agency merges information and files of one person into the credit information of another person.

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This Letter to a Credit Reporting Agency regarding Co-Mingling of Information is used when your credit information has been co-mingled with that of another. This is likely to happen to persons with similar names and social security numbers. This letter informs the credit agency that there are numerous discrepancies within your report and demands that an investigation be done. It is important that this type of demand be set forth in writing as it will serve as an official record of the co-mingling of incorrect information and your demand that the matter be investigated.

This Credit Information Co-Mingled with Another Letter contains the following provisions:
  • Reporting Agency: Sets forth the name and address of the agency;
  • Discrepancies: Sets forth all discrepancies in the report and a detailed list of all inaccuracies;
  • Demand for Investigation: Sets forth a written demand that these inaccuracies be investigated, to delete all references in your account which are inaccurate and to forward this letter disputing accounts to the respective creditors.

Protect Yourself and Your Rights by using this accurate and up-to-date form. This attorney-prepared package includes:
  1. Information
  2. Letter to Credit Agency Regarding Co-Mingling of Information
State Law Compliance: This form complies with the laws of all states
Number of Pages3
DimensionsDesigned for Letter Size (8.5" x 11")
EditableYes (.doc, .wpd and .rtf)
UsageUnlimited number of prints
Product number#29245
This is the content of the form and is provided for your convenience. It is not necessarily what the actual form looks like and does not include the information, instructions and other materials that come with the form you would purchase. An actual sample can also be viewed by clicking on the "Sample Form" near the top left of this page.
Your Name
City, State & Zip
Name of CRA
City, State & Zip
RE:   Co-mingling of information belonging to {my father, mother, sister, brother, cousin} {as a result of recent discovery of ID theft}
Dear Sir or Madam:
I recently obtained a copy of my credit file and note many discrepancies and reporting errors. Through my inspection of my file, it appears that you have mixed my true and correct information with {insert the name or the person here or if this is a result of ID theft, “the recent discovery that my true name and personal information has been used to open accounts}.  We are two different people. Either he/she/or unknown person, has opened accounts in my name, without my permission or his/her information has been confused by your computer system with my information.
I demand you investigate my credit file and delete the following information and/or trade lines from my credit file immediately:
Personal Information:
I have never lived at ___________________________________________.  This address belongs to _____________________________________________.
{List all inaccurate accounts here}
Please delete all references to all of the above accounts, as they do not belong to me. In addition, please return to me an updated copy of my credit file with thirty days of the date you receive this dispute letter.
Forward a copy of this letter and any attachments to the creditors when you convey my disputes. If you are not willing to do so, please immediately provide me the name, address and telephone numbers of the people you contacted so I may follow up with the.
Enclosed is a copy of my current photo ID card and copy of a utility bill as proof of my identity and residency.  
Sincerely yours,
Your Signature
Your Printed Name
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