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Mixed credit reports are one of those hidden disasters that show up when a credit bureau confuses your file with someone else’s. Suddenly, their debts or accounts appear under your name, and your score drops for reasons that make no sense. It’s not just a glitch — it’s a violation of the Fair Credit Reporting Act. This article explains how it happens and what legal steps actually work to fix it: https://www.flokii.com/blogs/view/146461/mixed-credit-report. If your report shows names, addresses, or accounts you don’t recognize, don’t ignore it — mixed files rarely fix themselves, but they can be corrected when you push back the right way.