Honest DIY strategy

How to dispute a mixed file (not yours)

What actually works versus what’s myth — the exact letters to send, in order, and the accuracy rules that keep you on the right side of the law.

All dispute strategies › Mixed file (not yours)

The honest reality

Someone else's accounts are mixed into your file — usually a similar name, a relative (Jr./Sr.), or a transposed SSN. Fix the IDENTIFIERS first (the bad address/SSN/name that causes the merge), then demand the file be separated.

Your dispute sequence

Restore paces these into rounds and tracks each 30-day deadline. Send them in this order:

  1. Credit bureaus
    Send: Personal Info Correction
    Correct the wrong address/SSN/name/DOB that is causing the merge.
  2. Credit bureaus
    Send: Mixed-File Separation
    Demand the other person's accounts be separated out of your file.
  3. Credit bureaus
    Send: Method of Verification (MOV)
    If they "verify" the wrong accounts, demand the method.

Accuracy rule (read this first)

Only the accounts that genuinely are not yours — be precise about which tradelines belong to the other person.

How to mail each letter

  1. Print the letter the tool generated and fill in your address block at the top.
  2. Sign and date it by hand — never type your signature.
  3. Attach copies (never originals) of any proof: receipts, statements, the report page, your ID.
  4. Mail it CERTIFIED with return receipt so you have proof of the date they received it.
  5. Save the green card / tracking number and a copy of everything you sent.
  6. Calendar 30 days — that is the bureau's deadline to reinvestigate under FCRA § 611.

Let Restore run this mixed file (not yours) plan for you

We generate each letter in the sequence, cite the right statute, track every 30-day deadline, and tell you when to send the next round. Free to start.

Start disputing free →

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Restore Credit is software that helps you exercise your rights under the FCRA (15 U.S.C. §1681 et seq.) and FDCPA (15 U.S.C. §1692 et seq.). It is not a law firm and does not provide legal advice, and no outcome — including item removal or score improvement — is guaranteed. Only dispute information you have a good-faith basis to believe is inaccurate, incomplete, outdated, or unverifiable; submitting false information to a credit bureau can be unlawful. For advice about your specific situation, consult a licensed attorney.