When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because:
The person applied for credit under different names (Robert Jones, Bob Jones, etc.).
Someone made a clerical error in reading or entering name or address information from a hand-written application.
The person gave an inaccurate Social Security number, or the number was misread by the lender.
Loan or credit card payments were inadvertently applied to the wrong account.
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When a credit report contains errors, it is often because the report is incomplete, or contains information about someone else. This typically happens because: