Channel 7 Interview with Mixed File Victim

Channel 7 Interview with Mixed File Victim

Last night, Michael Finney of Channel 7 in San Francisco interviewed our client Lisa Allen about her experience with the credit reporting agencies. When Lisa was just a child, the Social Security Administration mistakenly gave her social security number to the guardian of a another Lisa Allen who lived in another state. The mistake occurred because their names were the same and their birthdays were only ten days apart. As the two Lisas went through their teen years, Experian, Equifax and Trans Union mixed their credit files meaning the other Lisa’s credit files were mixed with Lisa of Fremont’s files.

To make matters worse, the other Lisa’s credit was terrible with a foreclosure, a repo of a car, and numerous bad debts. Beginning in 2008, Lisa of Fremont began asking the credit agencies to unmix her file. She got nowhere with Experian and Equifax. Trans Union unmixed her file but only after years of its report impacting her ability to get credit. The effect of all this mixing was that Lisa could not get credit in her own name. We filed the a lawsuit in in the federal court in San Francisco alleging violations of the Fair Credit Reporting Act. The case settled in 2013. For the Channel 7 interview go to www.abc7news.com.

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