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Your Credit Report Says You Are Dead? Here's Why and What To Do.

What is happening to you is 100% the fault of the credit agency that is doing this. They may not have been the original cause of the error, but they are the ones that will tattoo it on your credit. When you are done disputing it, take action like you are suppose to by filing a lawsuit for damages -- it's like a personal injury case for your credit report.

Credit Report Says Your Dead?

See Why Your Rights Are Being Violated


-Joseph P. McClelland, Esq.

Trans Union Marked You as Dead?

Has Trans Union recently started to tell the world that you are dead? That's terrible. you can overcome this. When your TransUnion credit report says you are deceased, please know that you ALREADY LIKELY HAVE A CLAIM FOR DAMAGES. To increase the value of your case (and to increase the speed it is fixed) also mail in a letter saying... that you are not dead.


Mail your dispute to TransUnion:
     

TransUnion
P.O. Box 2000
Chester, PA 19016

Experian Reported You as Deceased... But You Aren't!

Is Experian thinking that you are deceased? You can make that right. 


Deceased credit report attorney Joseph McClelland explains, "their goal is to stop identity theft, but they hurt too many people with they system they created and will not change." When you need an attorney because the a credit card, collector, or credit bureaus says you are deceased on your credit, think of us. We have experience as lawyers to fix credit report showing you as dead.


Mail your dispute to Experian:
Experian
P.O. Box 9701

Allen, TX 75013

Equifax Reporting You as Deceased?

Is Equifax thinking that you are no longer alive? Get an attorney to sue Equifax for marking your credit report as deceased.

The FCRA requires the crediting reporting agencies to do several things regarding the accuracy of the credit reports they sell including no telling people you are dead when you are live. The results: you get denied credit and many of your credit cards will automatically close. The Fair Credit Reporting Act allows citizens to file a lawsuit and directly recover certain damages and attorney fees. 


Mail your dispute to Equifax:

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256


We Can Bring You Back To Life... In the Credit Agencies Eyes

Do you have accounts that are showing you as deceased OR do you have no credit report at all?


We can help with both situation. Just give us a call.


Why Are You Being Reported as Deceased?

Is Equifax thinking that you are no longer alive? Get an attorney to sue Equifax for marking your credit report as deceased. This may come from several places. One of them is the Social Security Administration that maintains the Master Death Index. This is a list of all the social security numbers that are being marked as deceased. Creditors and credit agencies will pull this and use this info whether it is correct or not.


Many estimate that about 14,000 consumers are marked as deceased wrongly every year.


The Problem Correcting This Credit Issue

The only way to solve this is to bring on an attorney. Once you are marked as deceased, you likely will have a fragmented file and zero credit scores.

Deceased Credit Reporting Lawsuits

Is Equifax thinking that you are no longer alive? Get an attorney to sue Equifax for marking your credit report as deceased.

What Should You Do First?

You need to see that no matter what you do, a new problem will likely happen because of how they messed the whole thing in the first place -- you likely have multiple credit files with your info in it. At any point in time, you could end up with zero credit. Not bad credit, but absolutely no credit because they are going to mix you with a fragmented file. It's complicated.


Therefore, you should consult an attorney to see if you have a claim for damages AND to make them manually adjust their computer system to individually correct your file. This is not simple and will not be done with a dispute letter.

Should You File a Complaint with the CFPB?

Long Answer: You can if you want. The problem is the dispute just goes the credit agency to do the exact same steps they did the first time. You will get the same result because they are looking at the same computer screen showing the same wrong info. 


Short answer: No, complaining to the CFPB, the Attorney General, and the FTC are all going to get you no where slowly.


Verdict: Waste of your time.

We Can Bring You Back To Life...

Do you have accounts that are showing you as deceased OR do you have no credit report at all?


We can help with both situation.

Here Are Your Rights About Being Reported as Deceased


Under the Fair Credit Reporting Act, you have the right to sue the credit bureaus like Equifax, Trans Union and Experian for monetary damages and a free legal representation if they refuse to correct marking you as dead.

Learn about the Error on Your Report

1. Find the error or inaccuracy

Dispute with Credit Agencies

2. Dispute with credit agencies and provide a recent bill you paid and your license.

It's Fixed or You Sue

3. If they don't fix it, then you sue for damages and distress.


No Fees Until You Get a Recovery


Frequently Asked Questions

My social security number says i'm deceased

Deceased indicator on credit report

Mistakenly reported as deceased Equifax

Credit card company says i'm dead

Mistakenly reported as deceased trans union

It says I'm deceased on my credit report

Transunion has me deceased

deceased indicator on credit report

What should I do if I'm listed as deceased on my credit report?

My social security number says i'm deceased

How to Fix a Credit Report When It Says You're Dead

Why Does My Credit File Say I'm Dead?


We Can Bring You Back To Life...

Do you have accounts that are showing you as deceased OR do you have no credit report at all?


We can help with both situation.