Credit report

Credit report says you died? | Credit Bureau Errors

If you were mistakenly flagged as dead on your credit report, you may be able to take legal action to fix the error and recover the money for the harm you suffered.

Being marked dead can have a catastrophic effect on your life, finance and career – and the attorneys working with are ready to help.

To learn more about your legal rights and options, complete the form on this page. After you make contact, one of the lawyers we work with may contact you directly to explain how they can help you. It costs nothing to get in touch or talk to someone about your rights.

Why does my credit report show that I am deceased?

You were probably wrongfully declared dead due to an error made by a creditor, such as a credit card company or bank, or a credit reporting agency, such as Experian, TransUnion or Equifax. For example, you may have had a joint account with someone who recently died, and the bank or lender mistakenly indicated both account holders as deceased.

It is also possible that you have been mistaken for someone with a similar name who is actually deceased. There’s also a small chance that the error stems from identity theft — namely, someone trying to fraudulently collect Social Security benefits.

It’s also possible that your social security number was declared deceased. These false declarations of death are unfortunately transmitted to the three major credit reporting companies. According to CNBCapproximately 6,000 people are incorrectly declared dead each year by the Social Security Administration.

Erroneously reported as deceased? Why you need to fix the error

If you have an indicator of death on your credit report, it is important that the error is corrected as soon as possible. This error can cause considerable damage insofar as:

  • You may not be able to get a mortgage, personal, car, or student loan.
  • Your bank accounts could be frozen.
  • Your credit cards may be closed and you will not be able to open new ones.
  • Your credit score may drop to zero.
  • Your apartment request may be refused.
  • You can be turned down for jobs.
  • You may not be able to renew your driver’s license.
  • You may not be able to configure utilities.
  • Your health insurance could be canceled and you could be denied medical care.

Often when you have been declared dead by mistake, your creditors, landlord, and others may mistakenly assume that you have impersonated someone else and refuse to work with you.

How do I dispute a death on my credit file?

If you were mistakenly classified as dead, attorneys working with can help you dispute the false report and prove that you are not deceased. They will collect copies of your credit report, among other necessary documents, and work with credit bureaus, your bank, creditors, and the Social Security Administration, if necessary, to correct the error.

They can also work to determine who is responsible for the error and build a case to help you get compensation. Many errors in the credit reports of deceased persons are violations of the Fair Credit Reporting Actand you may be entitled to money for actual losses (i.e. loss of job, home, etc.) arising from the error, among other damages.

If you have been declared dead by mistake and need help, fill out the form on this page today. One of the lawyers we work with can then contact you directly to find out more about your situation and explain how they can help you.

It costs nothing to get in touch or talk to someone about your rights.