Your Rights · Consumer Rights
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Someone else's debt on your credit report?
Get a step‑by‑step dispute plan, FCRA letter templates, and an evidence package guide.
5
steps covered
2 min
time to generate
4+
FCRA rights
The Problem
Someone else's debt is on your credit report – and it's ruining your credit.
Identity mix‑ups are common
Credit bureaus mix up information all the time – especially for people with common names or similar addresses.
FCRA protects you
The Fair Credit Reporting Act requires credit bureaus to investigate and correct errors – including identity mix‑ups.
You need the right language
A poorly worded dispute is easy to dismiss. You need specific FCRA references and clear evidence.
Time is critical
Credit bureaus have 30–45 days to respond. We'll help you act quickly and effectively.
What you get
Everything you need to fix a credit bureau identity mix‑up.
Step‑by‑step dispute plan
Clear instructions based on your error type – from identifying the error to getting it removed.
FCRA letter templates
Ready‑to‑send letters to Equifax, Experian, and TransUnion – with placeholders and legal references.
Your rights under FCRA
What the law says about identity mix‑ups – and how to enforce your rights.
Evidence package guide
What to gather and how to organize it for a successful dispute.
How it works
From wrong debt to clean report in 2 minutes.
1
Answer 5 quick questions
Error type, bureaus, accounts affected, prior contact, and special concerns.
~2 minutes2
AI builds your custom kit
You get a complete HTML document with dispute plan, letter templates, and evidence guide.
~30 seconds3
Fix your credit
Follow the plan – send the letters, gather evidence, and get the errors removed.
You decide1
complete identity fix kit
30
days to respond
4+
FCRA rights
3
dispute letters
Questions
Everything you need to know.
What is an identity mix‑up on a credit report?
It's when your credit report contains accounts or information that belongs to someone else – usually someone with a similar name, address, or Social Security number. It can happen even if you've never made a mistake.
What is the FCRA and why does it matter?
The Fair Credit Reporting Act (FCRA) is a federal law that regulates credit bureaus. It gives you the right to dispute inaccurate information – and requires credit bureaus to investigate and correct errors within 30 days.
How do I prove the debt isn't mine?
You'll need evidence: a copy of your credit report, proof of identity (ID, Social Security number), and any documents showing the account belongs to someone else. The evidence package guide shows you exactly what to gather.
What if the credit bureau doesn't fix the error?
If they don't correct it, you can escalate. The guide includes follow‑up letters and next steps – including filing a complaint with the CFPB or FTC.
How long does this process take?
The credit bureau has 30–45 days to respond to your dispute. The guide helps you track the process and follow up if needed.
Reviews
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