Credit reporting errors strike victims when they least expect it

A pile of money.


Consumer Attorneys has helped countless victims of credit reporting inaccuracies and is here for you.

Two brothers were being harmed by credit reporting errors until Consumer Attorneys stepped into fix them.

Rahil and Rahim A. are brothers who have a single-letter variance in their names and a one-digit difference in their United States Social Security numbers. But that’s where the similarities end. Born in different decades, one lives in Arizona and the other in Texas, plus working in disparate industries (Rahil at a nuclear power plant that requires extensive FBI background checks and Rahim as an industrial engineer for a private firm), the two are clearly distinguishable from one another. So, when a major credit reporting company and an international banking company continually confused the two, it left Rahil not only baffled but, more importantly, at a costly and unjust disadvantage. 

Signs of trouble first emerged when Rahil applied for a small line of credit at a furniture store and spotted Rahim's address on his credit report. Meanwhile, Rahim had recently noticed Rahil’s car loan listed on his own report. That’s when the brothers pulled their reports and compared the two. 

“My credit information had been lumped with my brother's information,” Rahil said. “On paper it looked like me and my brother were the same person; almost like I didn't exist. I tried repeatedly to fix the problem on my own with no luck. Phone calls and letters did not work. I was turned down for a $16,000 auto loan due to my brother's mortgage which made my debt to income ratio too high. When I pulled my credit again, there were 24 accounts that didn't belong to me.” 

Floored by the extent of inaccuracy and anxious to prove his true creditworthiness, Rahil saw the mortgage listing as a potential fix. Since he had never applied for a loan or credit line from the bank, surely its officers would recognize that he was not their mortgagee, overlook the mistake on his account and approve him for the car loan – or so he thought. 

“I made sure beforehand that the banker knew the full situation,” Rahil said. An initial run of his name and social security number showed no record of Rahim in the bank’s system, for a brief, blissful moment, all seemed to be headed in the right direction. But the loan processing application turned up another rejection, citing Rahim’s recent mortgage as the primary deciding factor. “That was the final straw.” 

Having exhausted all efforts, Rahil called on Daniel Cohen, founder of New York-based Consumer Attorneys, LLC, who specializes in cases involving credit reporting and background check errors. On Rahil’s behalf, Cohen filed suit for violations of the Fair Credit Reporting Act (FCRA) in Arizona’s U.S. District Court. The FCRA is a federal law that regulates the way credit reporting agencies can collect, access, use, and share data they collect in consumer reports to ensure accuracy, fairness, and privacy. Despite court system delays brought on by the COVID-19 pandemic, Consumer Attorneys secured a sizable financial settlement for Rahil in just under a year, forcing correction of mistakes on his credit report and affording him the long-overdue opportunity to rebuild his credit. 

Unfortunately, Rahil’s problem is a common one. A 2021 Consumer Reports survey estimates that 34% of Americans have found an error on their credit reports. Of the 6,000 respondents, 29% found mistakes in their personal information, and 11% found misinformation related to their financial accounts. In Rahil’s case, mistakes cost him the vehicle he had his eye on, plus $20,000 in home equity and potentially thousands of dollars that went to interest rate hikes based on incorrect information. 

“If you can’t borrow money, you can’t move up in life,” Rahil said, offering advice to those who may find themselves in a similar situation. “Don’t blindly trust that the credit bureaus are doing their due diligence. Check your own credit at least once a year, and if something doesn’t seem right, call Consumer Attorneys.”

Contact Us

+1 877-615-1725


Related Articles



How an Equifax Coding Blunder Led to Millions of Incorrect Credit Scores Issued to Lenders

Equifax Coding Snag Led to Millions of Erroneous Credit Scores Issued to Lenders


Hyundai Capital America’s $19-Million Credit Reporting Catastrophe, Explained

Hyundai’s $19-Million Credit Reporting Catastrophe, Explained



What the F(CRA) is a Permissible Purpose?

What the F(CRA) is a Permissible Purpose?


How to Write a Dispute Letter to Credit Bureaus

How to Write a Dispute Letter to Credit Agencies

Medical debts compromise the credit reports of more than 23 million Americans


In the News: Changes by Credit Reporting Bureaus Could Wipe Your Medical Debt From Your Credit Report

Up to 70% of medical debt will be removed from Americans' credit reports starting July 2022

When the SSA enters an individual into its Death Master File, a special code called a deceased indicator is used to mark the consumer as dead. The indicator is then included in a consumer’s credit report, where it appears simply as “deceased.”


How to Correct a Deceased Indicator on Your Credit Report

Each year in the United States, between 7,000 and 14,000 people are surprised to learn that they are deceased according to the Social Security Administration.

A wedding ring.


There is an error on my credit report. How can Consumer Attorneys help?

Thanks to Consumer Attorneys, a client was able to recover from multiple credit report errors.

An error showing up on a mobile phone.


What are credit reporting errors?

Your credit report can contain some mistakes

A frustrated man seeing that his credit report is affected by a mixed file error.


What is a mixed file?

A mixed file can cause your credit score to drop

A man looking at a chart on a tablet.


What’s the difference between a FICO score and a credit score?

A FICO score can actually impact your credit score.

A thumbs up.


What are considered good credit scores?

Credit scores have different rankings and meanings

A man that is upset about a credit reporting error.


Real Stories About Credit Reporting Errors

Consumer Attorneys help clients sort out credit reporting issues

An image of a coronavirus.


How has COVID-19 impacted credit reporting errors?

Amongst the many issues created by the pandemic, credit reporting mistakes are multiplying in the wake of new legislation and policy.

A picture of a clock, showing how long a dispute can take.


How Long Credit Reporting Disputes Take

It may be quicker than you think with the right partner

A report with credit cards in front of it.


What’s the difference between a credit score and a credit report?

You may use the terms "credit report" and "credit score" interchangeably, but they're very different.

Mixing or splitting a file is one of the most common errors made by credit bureaus, as well as one of the biggest headaches for consumers.


Why Is Someone Else’s Information Listed on My Credit Report?

From renting an apartment to taking out personal or business loans, credit reports play an important role in the lives of consumers. They’re often a determining factor in whether a bank or other lender makes a decision in favor of the consumer.

The picture shows a sad man who looked at his credit report.


Why the Credit Bureaus Confuse Information Between Consumers

The real problem with credit reports is the astounding number of errors!


What Does “Mixed” Mean on a Credit Report?

Sometimes a consumer’s credit report can get dragged down by dead weight ... literally.

The picture shows a fraud thief who is trying to steal information. One's Social Security number, along with an address, is the most valuable piece of information identity thieves can get their hands on.


Key Information Regarding Identity Theft

One's Social Security number, along with an address, is the most valuable piece of information identity thieves can get their hands on.

 image depicting symbols of identity theft


What are the early indicators of identity theft?

Several telltale signs can give away the fact you've been a victim of identity theft early.

A police car.


Why should you file a police report after identity theft?

Does it serve a purpose if you don’t know how to find the thief?

A home that's ready to be purchased.


How to protect your identity during the homebuying process

Six ways to secure your identity when buying a home

A doctor in a hospital.


How does medical identity theft occur?

What to look out for to make sure it doesn’t happen to you

A man stealing data.


Distinguishing credit card fraud from identity theft

The two are not the same thing

A globe featuring the United States.


The top 10 states with the most identity theft

Some states have more cases of identity theft than others

People dealing with identity theft.


What is at risk when someone steals your identity?

The dangers of identity theft

A frustrated man who had his identity stolen.


What is identity theft and how does it happen?

Identity theft is a criminal offense that damages victims’ finances and reputation

View all articles