Experian Mixed Credit File? Happen to you?

In the past, I have found one or two things that did not belong to me on my credit reports and disputed them with no problem. However, this weekend my mouth almost dropped when I did my free annual credit reports. I filed BK last year and wanted to make sure everything is reporting like it should-HA!

Both Equifax and TransUnion were off with minor things, but Experian...WOW! I had numerous Bankruptcies on there in different cities, accounts that were not mine, collections/charge-offs--things that the other 2 did not show. So I started the online dispute, but after doing 4, I realized I needed to look a little harder before I go any further. Well, glad I did.

There were TONS of recent inquiries and at the end when they showed name variations and address variations--mine were there with at least 4 other women with my first name/different last names. There were loads of addresses in other states that I have never been and even birth dates and variations of last 4 digits of social security numbers.

So I stopped disputing because it was obvious there is some sort of problem. Then I got worried. I am not thinking identity theft because the other 2 CRA's did not show any of this. Besides, most of this debt showing would have came up when I filed BK less than 1 year ago. What I worried about was starting a dispute on these items and then these creditors/collection agencies that these women owe start hounding me. Gosh, I just got rid of all the collections and creditor calls.

Naturally, Experian is only open Mon-Fri and I have been so bothered by this all weekend. Luckily I am not in need of using my credit anytime soon, but imagine if I did. If I was sitting at a car dealership or trying to rent an apartment and they pulled that HUGE credit report with garbage on it--I would have been denied. Yeah, I bet they hear it all the time "that's not mine". I am just so worried that creditors are going to start hassling me because I initiated a dispute for these items that really aren't mine. Technically, these negatives are someones and are probably legit. I just do not want to deal with theirs. I literally just got over the worse financial storm of my life that lasted years..I don't want to re-live it again--especially for things that aren't mine!

Not only does it bother me that this could happen--the same way I got the personal information on these women--someone could be reading mine right now. Sure, I have a very common name that I use a variation of BUT shouldn't my credit info show up only under my social security # only regardless of what my name is? That is a bad thing-very bad. Also, these credit reporting agencies should NOT only have Mon-Fri assistance for this kind of stuff. To me, this is a problem. At least Experian only has those hours--not sure about the others. Sure, you can get a 24/7 automated fraud line where you can talk to a machine and get absolutely nowhere.

I can not wait until Experian opens tomorrow, although I don't know if this is common or if I will even get anywhere with this. Anyone ever have a mixed credit file? How did you deal with it?