Deceased Indicators on Credit Reports

Deceased Indicators

In this is article, we are going to go over several important topics about deceased indicators. If you are a consumer reading this, it is because you have been told or learned that one or more of your credit reports has a deceased indicator on it.

That means you were mistakenly reported dead when it comes to your credit.

What is a deceased indicator?

A deceased indicator is a term inserted into your credit report. It simply says, "deceased". That is the deceased indicator. It's just words put on your credit report and tells whomever is reading that you are no longer with us. You have parted this realm.

Okay, you're dead.

Having this indicator on your report will shut down your report because that's what they do when you die. They close your open accounts. 


Where is the deceased indicator located on my Equifax credit report? I can't find it.

You can find a deceased indicator on your Equifax report by:

  1.  Look at each account on report.
  2. Specifically, look who is "responsible" for each account.
  3. It will read individual, joint, deceased, undetermined.
  4. If it reads "deceased", then you have found the Equifax deceased indicator.
  5. If you locate the deceased indicator, you rights have likely been violated under the Fair Credit Reporting Act and are entitled to damages.


Where is the deceased indicator located on my Trans Union credit report?

Here is how you can find any deceased indicators on your Trans Union report by:

  1.  Look at each account on Trans Union report.
  2. Each account will say who is "responsible" for that bill.
  3. It states either individual, joint, deceased, or undetermined.
  4. If it reads "deceased", then you have found your Trans Union deceased indicator.
  5. If it reads "undetermined", that may mean they are confused.
  6. If you locate the deceased indicator or even undetermined, you rights have likely been violated under the Fair Credit Reporting Act and are entitled to damages.


Where is a deceased indicator located on my Experian credit report?

You can find a deceased indicator on your Experian report by:

  1.  Look at each account on report.
  2. Specifically, look who is "responsible" for each account.
  3. It will read individual, joint, deceased, undetermined.
  4. If it reads "deceased", then you have found the Experian deceased indicator.
  5. If you locate the deceased indicator, you rights have likely been violated under the Fair Credit Reporting Act and are entitled to damages.


How Do I Confirm a Deceased Indicator on Credit Report?

You will need to review your credit report. Most of the time, if you have one report that is wrong, they will all be wrong. Therefore, you can first just look at one report to start. You will want to review each account or tradeline on your report to see who is responsible for paying that account.

It may say that an individual is responsible. It may say that the account is jointly owned. It may say DECEASED. If it does, you found one of them. You should continue reviewing each account to see if more than one business is reporting you as dead.

Final Points Behind the Scenes:

  • The Equal Credit Opportunity Act (“ECOA”) prohibits lenders from using discriminatory practices when making lending decisions for current and potential borrowers. To comply with the ECOA, Defendants use a set of codes that categorize borrowers in a manner that does not reveal information that might be used for unlawful discrimination.
  • For example, furnishers designate the person responsible for paying a debt by marking certain symbols in the ECOA field: an “I” in an ECOA code field means the account is an individual account, while a “J” means the account is a joint account. A “T” means the account has been terminated.
  • When a furnisher reports that a consumer is deceased, Defendant places a notation on that individual tradeline. Furnishers identify “deceased” consumers by marking the “status” of such consumer’s responsibility for any subject account with an “X” code in the ECOA field of an electronic data input format used in the credit reporting industry, known as “Metro” or “Metro 2.”
  • By the time the report gets to you, instead of X, it will actually say "deceased".

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