Does Your Credit Report Say You're Dead?

Our law firm helps consumers that are being credit reported as deceased. 

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!

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. 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

Experian Reported You as Deceased?

Is Experian mistaken in thinking that you're deceased? We can fix that for you using the FCRA. Under Section 1681 (e), Experian must maintain your credit file with accuracy. It's unlikely Experian did if they are saying you're dead, right?

If a a credit card, collector, or credit bureaus says you are deceased on your credit, think of us. We have experience as lawyers fighting them to fix credit report showing you as dead. We can help you write and mail your disputes FREE OF CHARGE!

SSA reporting falsely

Social Security Number Reported as Deceased?

Is your social security number matching up with the data of a person that is not alive? We can fix that for you even when the Social Security Administration is falsely reporting your death.

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 social security number reported as deceased? Unless you are not alive, 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 that are being marked as deceased. If your social is on this list, you may want to contact our office to see how we have helped someone like you in the past get this resolved with the Social Security Administration and get your social off that list. 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.
  2. It could also be that the credit reporting agencies are being mixing you up with another person. Regardless, you likely have a deceased indicator on your report. It could be that they have your social security number and another person's social security number confused. It could they are confused because you have a similar date of birth with a deceased 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".

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 dead, you are a victim of a broken system.

The Problem Correcting This Credit Issue

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

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

About the attorney


I'm  Joseph P. McClelland

As a Georgia and New York licensed attorney, I bring 20 years of experience to your side.  I was recently quoted by Martha Stewart, Best Company, Newsday and Investopedia, to name a few. I am also the author of a new book on identity theft. 

Here Are Your Rights

You can sue the credit bureaus like Equifax, Trans Union and Experian if they keep marking you as dead.


Confirm that you have a credit error.


Properly notify the credit reporting agencies for you.


If it's not corrected, we file a claim for damages under the law.


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 or use our network of attorneys. Either way, we are your first call.

Get Your Free Consultation Here

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