What is defined as a "mixed file" under the FCRA?

A "mixed file" under the Fair Credit Reporting Act (FCRA) refers to a situation where a credit report includes information about more than one person. This can occur when the credit reporting agency inaccurately combines the records of individuals with similar names or identifying information. The FCRA mandates that credit reporting agencies take reasonable measures to ensure that the information remains accurate and pertains to the correct individual. Therefore, a mixed file presents a significant issue in terms of consumer privacy and accuracy of credit reporting.

This definition aligns with the purpose of the FCRA, which is to promote accuracy, fairness, and privacy in the collection, dissemination, and use of consumer information. When a report has information belonging to multiple individuals, it can lead to negative implications for credit decisions and a consumer's financial reputation.