This typically happens when a credit report is returned from the bureau as 'fragmented.'

 

A fragmented credit report is one that may contain more than one person's credit information.  This may happen with twins, Jr./Sr. situations, etc.  Another way this may happen is sometimes Creditors do not furnish a SSN when they report to the Credit Bureau and a trade item may be applied to all accounts with that name, address, etc.

 

When the credit report is returned as fragmented, you will receive a message upon pulling the report, and the status will also be noted on the Credit Report Summary page in CU*BASE so you can confirm the report with your member and advise them to contact the Credit Bureau to confirm if any discrepencies are found.