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Mixed credit reports are way more common than most realize, and they can completely mess up your finances or job chances. It happens when someone else’s data—like loans, addresses, or even criminal records—gets merged into your own file. I came across a good breakdown of how this happens and what to do about it here: https://www.flokii.com/blogs/view/146461/mixed-credit-report. If your report shows accounts or info that aren’t yours, don’t ignore it. It’s usually a data-matching failure, not your fault, but it needs fast action through disputes and follow-up with all three credit bureaus.