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hello my name is John watts Im a consumer protection attorney in Alabama and what well talk about today has to do with credit reports when you have information on your credit reports that is not accurate and does not belong to you and so well talk about what is a mixed or merged file and how does that differ from identity theft well first of all a mixed or merged file is when imagine this is your credit report and this is somebody elses credit for and they get put together so you might think of it sort of an old-fashioned terms like a manila folder if that was your credit report and then somebody with a similar name had their credit report and both those fall onto the ground and then somebody scoops them up well they might be kind of mixed together or merge so when that happens theres no identity theft thats just a problem with the credit bureau Equifax Experian TransUnion they are merging your file now we dont have physical folders we in essence tag each little piece of data w