About Consumer Attorneys

Posted by Sam Moon on December 27th, 2023

Having your credit report inaccurately label you as "deceased" can be stressing and financially damaging. However, by following the steps outlined in this blog, you can take the necessary actions to correct this error and restore your creditworthiness. Remember that patience and persistence are key to successfully removing the "deceased" label from your credit report and maintaining a healthy credit profile. Your credit report is an important document that impacts your financial well-being. A negative or incorrect record can affect your ability to get loans, credit cards, and other financial opportunities. One unusual error that some people face is having their credit reports incorrectly labeled "deceased."


A deceased credit report is a term referring to a credit report on which a consumer is falsely flagged as dead when, in fact, they are alive.


How a False Deceased Designation Happens

There are four main ways that wrongful information about you being deceased makes it into your profile: Input error: When data is entered into a system associated with one of your accounts, it can be entered erroneously.

Co-signer death: If you hold or have held any joint or affiliated accounts (whether personal or business), the death of your co-signer can inadvertently flag you as deceased. An attorney can help clear up the discrepancy.

Mixed Files: “Mixed files” refers to a credit profile on a single individual that mistakenly contains data from one or more other individuals. Input errors or poor data-gathering protocols by the CRAs can cause mixed files

Identity Theft: If you’re falsely marked as dead due to identity theft and fraud, it means that the data error that erroneously flagged you as deceased is due to criminal activity that caused confusion and misinformation with respect to your data.

How an Attorney Can Help When Your Credit Report Says You’re Deceased

Any inaccurate, misleading, and false information in your credit report falls within the practice area of consumer protection law. These attorneys are also referred to as deceased reporting attorneys. If you’re marked as deceased on a credit profile, lawyers such as these are your best asset in fighting and winning this complicated battle. Deceased label in your reports can bring you a lot of problems. Fight together with Consumer Attorneys against mistakes!