Are there any repercussions for credit bureau merging my file with someone else's?
3 attorney answers
Mistakes and merged-files happen. You need to check with TransUnion and Equifax to make sure they update properly, as well. If they are notified of the issue and THEN take no action, you've got some liability on their end. Otherwise, it is just a simple mistake.
Unfortunately, as my colleague has already stated, there is likely not much you can do, unless you can prove the credit bureaus intentionally or negligently caused the information to end up in your credit report. You should keep in mind that any time you are denied credit, you are entitled to a free copy of your credit report from the credit bureau the creditor used to make its decision to deny you credit. Take advantage of that opportunity, and also obtain your credit every year to make sure such mistakes don't happen in the future. You can get one (1) report from each bureau annually.
Generally speaking, most likely not. The reports those companies receive sometimes have mistakes on them or don't contain full information, so they have algorithms that attempt to adjust for mistakes that nonetheless indicate the same person. Unless the mistake was grossly negligent or intentional, there isn't much to do.
My answer does not constitute legal advice and may not be relied upon by anyone for any purpose and does not constitute an attorney/client relationship or an offer to form such a relationship. This disclaimer is intended to be fully compliant with the requirements of Treasury Department Circular 230 and the terms thereof are fully incorporated by reference.