Letter to a Credit Report Agency That Co-Mingled Information

A common credit reporting problem occurs when the Credit Report Agency (“CRA”) mixes or merges credit information and files of one person into the credit information of another person. The credit reporting industry is now almost entirely automated. Their file searches do not require full identifying information; either to obtain a credit report or to furnish information to the CRA. This can lead to incorrect automated matching decisions. Use the formula in this letter to dispute co-mingled information or for further assistance in ID theft matters.

For use in all states.