How do I correct being marked as deceased on my credit reports

Americans being marked as deceased on their Experian, Equifax, and TransUnion credit reports is one of the biggest complaints in the industry.  This problem usually arises at the most inopportune time — like when a consumer is attempting to get financing for a home or car.  This can cause the credit report to lock down and a credit score to not be generated.  As a consequence, the creditor may refuse to extend credit until the problem is corrected.

The deceased marking arises in a number of ways.  One of the major ones is when a furnisher of credit information, like a lender, clicks the wrong box.  It can also come up when a spouse on a joint account dies and the lender marks both account holders are deceased.

Experian, Equifax, and TransUnion have a duty to implement reasonable procedures to ensure credit reports are as accurate as possible.  In 2015, they entered into an agreement with the Attorneys General of several states, including Alabama and Texas, to develop and share best practices for identifying and preventing inaccurate reporting when a consumer disputes a report stating that they are deceased.  However, the inaccurate deceased marking is still a major problem and headache for consumers.

Contact us if you have been marked as deceased

It is best to contact us as soon as possible if you have been marked as deceased on your Experian, Equifax, and TransUnion credit reports.  We offer a free consultation and assistance on correcting the problem.  These inaccurate deceased markings often indicate a violation of the Fair Credit Reporting Act.  If so, we represent consumers on a contingency fee basis with no upfront out of pocket costs or fees.