Credit Report Says You're Dead?

Our law firm fixes being credit reported as deceased with our No Fee Guarantee.

We Help You Fix Being Reported as Deceased

Being mistakenly reported as deceased on your credit report makes obtaining credit impossible. To make matters worse, the credit agencies will close and shut down your entire credit report including all accounts. You don't want to let this happen to you. As your deceased credit report attorney, we have you covered.

What We Do For You

  • Help you pull together the documents you need
  • Help you draft and mail all of the necessary documents
  • Help you get compensated for your damages

We Bring You Back to Life

This is what happens. The credit agencies mark you as deceased. Then, they close your entire credit report. Your credit score will be 0. Your bank accounts close. Your benefits may stop. It only gets worse. You must take the right steps to correct this.

The Fair Credit Reporting Act gives you the solution. You have legal recourse against Experian, Equifax, and Trans Union. Reporting that you are dead on your credit report likely violates this law. That's what we do. We use the law to your benefit and ours. Under this law, they have to pay your legal fees, costs, and damages.

The Reviews Are In...

I would recommend my friends or family members if they had the same problem.

L. Hogan

He's knowledgeable, professional, prompt in his responses and he doesn't leave you hanging. He will stay with you throughout the problem and make sure it's resolved...

r. thornton

I'm happy I made the phone call to Joseph.

gary h.

Equifax marked as deceased

Equifax Reporting You as Deceased?

"Equifax says I'm dead" or "my credit report says I'm deceased" are statements I often hear.

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

The FCRA requires the credit agencies to sell only accurate credit reports. For example, this includes not telling people you are dead when you are live.

The results: you are denied credit and many of your credit cards will close. The Fair Credit Reporting Act allows you to file a lawsuit to recover damages and attorney fees. This means you call an attorney to work for you without writing them a check.  We can help you write and mail your disputes FREE OF CHARGE!

deceased on credit video image

trans union says you're dead

Trans Union Reported You as Deceased?

Has Trans Union recently started to tell the world that you are dead? That's terrible. Trans Union may have already violated your rights if it reports you as deceased.

To to increase the speed it is fixed, we will want to mail in a specific letter saying... that you are not dead and requesting that it's corrected. Also, it's best to provide some more information in your dispute letter to give you extra leverage.  

We can help you write and mail your disputes FREE OF CHARGE!

experian reporting you as deceased

Reported Dead on Experian Credit Report?

Is Experian mistaken in thinking that you're deceased and putting it on your credit report? We can fix your credit reports for you using the FCRA. Under Section 1681 (e), Experian must maintain your credit file with accuracy and correct information.

It's unlikely Experian did if they are saying you're dead, right? Even if it's one of your creditors saying it, Experian must follow reasonable procedures to investigate your alleged death before putting this on your credit report.

Where was the request for a death certificate? Where was the call to your loved ones? It likely never happened.

If a a credit card, collector, creditors, or credit bureaus says you are deceased on your credit, think of us. We have experience as lawyers fighting them to fix the wrong information on your credit report showing you as dead. 

We can help you write and mail your disputes FREE OF CHARGE!

dead on credit report

Social Security Number Reported as Deceased?

Is your social security number matching up with the data and information of a person that is not alive?

We can fix that for you even when the Social Security Administration is the one putting your alleged death on your credit reports.

If the Social Security office is to blame for alleging your death, we help request they correct the information and get your name off of their list.

We can help you write and mail your disputes FREE OF CHARGE!

Our “No Fee Guarantee”

We will never charge you any money unless you a recovery first. Period. That's our "No Fee Guarantee". Again, we only get paid if you are paid first.

Why Are You Being Mistakenly Reported Dead?

I often hear people ask, "why does my social security number say I'm deceased, a credit card company says I'm dead, I'm deceased on my file, I'm wrongly declared dead, or when I apply for a loan, my information doesn't match or isn't available to pull my report." 

Here are the 3 top reasons why:

  1. One of them is the Social Security Administration. Is your SSN reported as deceased? You have been wrongly declared dead by social security. They maintain the Master Death Index. This is a list of all the social security numbers of people that have passed away. If your social is on this list, you should contact our office to see how we help get this resolved with the Social Security Administration and get your social off that list. Many estimate that about 14,000 consumers are mistakenly marked wrongly each year.
  2. It could also be that the reporting agencies are being mixing you up with a deceased person. Regardless, you likely have a deceased indicator on your credit report. It could be that they have your social and another person's social security number confused. It could they are confused because you have a similar date of birth with another person's personal information.
  3. You have a credit card company or other creditor putting it on your credit reports. It is common to hear that a "credit card company says i'm dead". We've see this with large cards issuers such as American Express and Capital One, to just name a couple. 

Is Equifax, Experian, or Trans Union thinking that you are no longer alive? Get an attorney to sue Equifax, Experian, and/or Trans Union for marking your credit report as deceased. When you are mistakenly reported as not being alive, you are a victim of a broken system. 

The Problem Correcting Deceased Indicators

The three major bureaus are Equifax, Trans Union, and Experian. Each bureau must provide accurate credit information. Putting this indicator on you when your are alive is not accurate.

The best way to solve this is to bring on an attorney. When they do this, you likely will have a fragmented file and zero credit scores very soon. You will need to know how to combat this on your credit reports. 

About the attorney


I'm  Joseph P. McClelland

I bring 20 years of experience to your side and was recently quoted by Martha Stewart, Best Company, Newsday, The Simple Dollar, and Investopedia, to name a few. I am also the author of a new book for identity theft victims.

A large focus of my practice is helping consumers across the country declared dead by credit card companies, business, SSA, and the credit agencies. 

image joseph mcclelland attorney for marked as deceased

Here Is The Process

So you know, you can sue the bureaus like Equifax, Trans Union and Experian for marking you as dead.


Confirm that you have a credit error.


We will assist you in properly notifying the reporting agencies with our templates and experience.


We will file a claim for damages under the law with our no-fee-guarantee.


How much does it cost to hire you?

We don't charge you any fees unless you we win your case and get you a recovery.

How long does it take to get my reports corrected?

We have clients that were completely corrected within the first month. Other clients have taken several months. Every case is different.

Do you represent clients nationally?

Yes, we can represent you as your attorney in your state where ever you are using our network of local counsel. Either way, we are your first and only call.

We Fix Credit Errors

Are you tired of getting pushed around by the credit agencies? Get us on your side to get the credit problems behind you. 

Please Select One
  • Deceased on Credit Report
  • Identity Theft Victim
  • Wrong Balance/Payment History
  • Mixed Credit File with Another Person
  • Other Credit Problem
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Free Case Evaluation

Fix All Credit Problems

These errors cost you higher interest rates, loan denials, apartment denials, and loss of employment.

Get Paid Damages

We make the credit agencies and/or the creditors pay you damages under the Fair Credit Reporting Act.

No Fee Guarantee 

We don't charge you one penny unless we get a recovery on your case.

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