Los Angeles — Following extensive briefings, the federal district court in Los Angeles has rejected bids by major credit bureau Experian and debt collector CMI to throw out a “mixed file” case involving a retired pastor who relies upon his good credit to help with his necessary living expenses, and those of his wife.
In 2005, Harry Cartwright Sr.’s identity began getting mixed with his son’s, who is also named Harry Cartwright. However, Cartwright Sr. and Cartwright Jr. have different social security numbers and, obviously, different birth dates, as well as other differences in identifying information. Cartwright Sr. and Cartwright Jr. worked together to clean up Harry Sr’s credit report because, as a senior citizen on a fixed income, he relies upon his good credit for necessities and to keep his living expenses down.
However, Cartwright Sr. alleges that, in spite of numerous efforts including letters from attorneys, Experian and CMI continued to report Harry Jr.’s bad credit onto Harry Sr’s credit report. Harry Sr.’s credit report with Experian was not cleaned up until after the lawsuit was filed.
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