What can you do if Experian merged your credit file with someone else's despite a flag on file not to confuse the name?

Answer 1

Continue to dispute the inaccurate information and flag your file. The problem is NOT that you have someone else's information on your file. The problem IS that someone else's information merges with yours WHEN your file is pulled. The industry term for the software is merge logic. Because credit record keeping originated in specific regions, regional identifiers, like zip codes, are given high priority. Credit will often merge at the time it is accessed with others in your area with similar names. This is a frequent occurrence in families with different generational designators, like Senior, Junior, II and III. It's like tossing the dice each time your credit is pulled. But there is no one to blame or sue. The best course of action is to place a consumer statement on your file, dispute incorrect listings EACH time they show, be familiar with your credit and what the accurate information is, so that you can be proactive and inform potential creditors up front. If you have a different issue, perhaps pertaining to identity theft, the Federal Trade Commission has information that may help you to untangle the data.