Correct Errors. Remove Duplicates. Protect Your Middle Credit Score®.
Mixed File / Duplicate Account Dispute Letter:
Have you ever reviewed your credit report and found accounts that don’t belong to you—or noticed the same account listed twice with different details?
This situation, called a mixed file error, happens when information from another consumer with a similar name or Social Security number is mistakenly merged with your report.
The Mixed File / Duplicate Account Dispute Letter helps you correct these issues fast and restore the integrity of your credit history.
At Middle Credit Score®, we make it simple for consumers to fix reporting mistakes on their own. You’ll find this and 30+ other dispute templates inside our Credit Dispute Letters Support Center , all designed to comply with the Fair Credit Reporting Act (FCRA) and deliver clear, actionable results.
🔍 When to Use a Mixed File / Duplicate Account Dispute Letter
Send this letter if you:
- See accounts or inquiries that clearly aren’t yours.
- Notice duplicate listings for the same loan, card, or collection.
- Find personal details—like address or employer—that belong to someone else.
- Have recently changed your name or Social Security number and suspect a mix-up.
Under the FCRA, credit bureaus are legally required to maintain accurate and individualized credit files. Once they receive your written dispute, they must investigate and remove all information that does not belong to you.
💡 Why This Letter Matters
Mixed files are more common than most people realize and can significantly harm your creditworthiness.
By using this dispute letter, you:
- Prompt the bureau to separate your credit record from another consumer’s.
- Ensure duplicate or inaccurate data is permanently deleted.
- Protect your Middle Credit Score® from being dragged down by someone else’s debt history.
- Create a documented record of your correction efforts for future verification.
Even one incorrect or duplicated account can lower your score and trigger unnecessary denials for loans or employment screenings—so addressing it quickly is essential.
🧭 Step-By-Step: How to Send
- Obtain your most recent reports from Experian, Equifax, and TransUnion.
- Highlight every duplicate or incorrect item.
- Personalize the Mixed File / Duplicate Account Dispute Letter with each account’s details.
- Attach copies of identification and proof of address (driver’s license, utility bill).
- Send your letters by certified mail to each bureau individually.
Within 30 days, the bureaus must investigate and correct or delete any data they cannot verify as yours.
🔗 Learn More & Strengthen Your Credit
For more free tools and sample templates, explore the full
➡️ Credit Dispute Letters Library.
To better understand how your Middle Credit Score® is calculated—and how to keep it strong after errors are fixed—visit the ➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Mixed File / Duplicate Account Dispute Letter ensures your credit report reflects only your information.
Correcting these mix-ups protects your reputation, boosts your Middle Credit Score®, and restores confidence in your financial record.
Mixed File / Duplicate Account Dispute Letter:
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau Name]
[Address]
Re: Mixed File / Duplicate Account Dispute
Dear [Credit Bureau Representative],
Upon reviewing my credit report, I discovered that it contains information belonging to another person or duplicate reporting of the same account. This appears to be a mixed file error.
Specifically, the account listed as [Creditor Name, Account Number] either belongs to another individual or is being reported twice. I have attached a copy of my identification, proof of address, and documentation verifying the accounts that rightfully belong to me.
Under the Fair Credit Reporting Act, I request immediate correction or removal of any inaccurate or duplicate items and a reinvestigation of my file to ensure my credit report accurately reflects only my financial activity.
Please provide a corrected copy of my credit report once this matter has been resolved.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or creditor may have its own procedures, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
